111 Watch Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 111 Watch Hill Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,429 sqft · built 1998
Lot Size	0.689 acres (30,000 sqft)
Owner	Individual Name on Record
Last Sale	$735,000 (Sep 2020)
Tax Bill	$7,393 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`M:150 B:36-G L`

Property Details

APN / Parcel Number

Primary APN	`M:150 B:36-G L`
Alternative APNs	`WEST M:150 B:36 L:G` `1092536`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,429 sqft Living Area
Gross Area	4,713 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,000 sqft (0.689 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1092536
Street Address	111 WATCH HILL RD
City	WESTERLY
State	RI
Zip	02891-3553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	36
Legal Lot Number	G
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1029
Census Tract	51000

Owner

Source: Westerly Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	111 WATCH HILL RD, WESTERLY, RI 02891-3553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit DIME BANK
Sep 29, 2025	Quit Claim Deed, Transfer · Conventional Mortgage DIME BANK
Apr 4, 2019	Deed of Trust, Mortgage · Balloon Mortgage UNITED BANK
Sep 30, 2020	Trustee's Deed, Transfer US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Jan 5, 1994 · Amount on Record
Deed Document Number	20204688
Deed Book / Page	2020 / 20615
Last Transfer Date	Sep 16, 2025
Transfer Doc	2025-13939
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Apr 21, 2026
Property Address	111 WATCH HILL RD, WESTERLY, RI 02891-3553
Document Number	02026-5439
Book / Page	2026 / 5439
Instrument Date	Apr 13, 2026
Instrument	20261219
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WATCH HILL RD, WESTERLY, RI 02891-3553

Mortgage

Document Number	0000001219,
Date	Apr 21, 2026
Book Page	2026/5439
Instrument	20261219

Lender

Name	DIME BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate	6.11%
Max Rate	-1%

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 29, 2025
Property Address	111 WATCH HILL RD, WESTERLY, RI 02891-3553
Document Number	2025-13939
Book / Page	2025 / 13939
Instrument Date	Sep 16, 2025
Instrument	2025-3339
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WATCH HILL RD, WESTERLY, RI 02891-3553

Mortgage

Document Number	0020253340
Date	Sep 29, 2025
Instrument	2025-3340

Lender

Name	DIME BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Oct 1, 2028
Index	3-Year CMT

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	111 WATCH HILL RD, WESTERLY, RI 02891-3553
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019-4997
Date	Apr 4, 2019
Book Page	2019/4997
Instrument	2019-1302

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

September 2020: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 30, 2020
Property Address	111 WATCH HILL RD, WESTERLY, RI 02891-3553
Document Number	2020-615
Book / Page	002020 / 020615
Instrument Date	Sep 29, 2020
Instrument	4688
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CASTLE HILL RD PAWCATUCK CT 063791900, PAWCATUCK, CT 06379-1900

Mortgage

Document Number	2020-634
Date	Sep 30, 2020
Book Page	002020/020634
Instrument	4692

Lender

Name	US BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.63%

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,393.00 (-4.35%)	$1,039,800 (+29.42%) Land $470,300 Building $569,500	$1,290,546
2023	$7,729.00 (+0.62%)	$803,400 (-) Land $319,400 Building $484,000
2022	$7,681.00	$803,400 Land $319,400 Building $484,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 456 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	506 units insured incl. 50 condo units
Nearby Flood Claims	157 (1978–2024)
Claims Outside the SFHA	22 of 157
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTERLY WATER DEPARTMENT serves 35,298 people · EPA ID RI1559512
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

May also be available: Breezeline, Frontier, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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