Westerly Town property record for 12 Bluff Ave, Westerly, RI 02891 · Last verified June 2026
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 9 bd · 7 ba · 5,771 sqft · built 1906 |
| Lot Size | 0.543 acres (23,670 sqft) |
| Owner | Company Name on File |
| Tax Bill | $129,304 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:185 B:16-A L |
| Primary APN | M:185 B:16-A L |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 7 Baths |
| Total Rooms | 16 Rooms |
| Stories | 3 Stories |
| Building Area | 5,771 sqft Living Area |
| Gross Area | 14,046 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Exterior Material | Wood Siding |
| Roof Type | Gambrel |
| Roof Material | Wood Shingle |
| Lot Area | 23,670 sqft (0.543 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 10011400 |
|---|---|
| Street Address | 12 BLUFF AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-5704 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 16 |
| Legal Lot Number | A |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 51000 |
Source: Westerly Town records · APN M:185 B:16-A L
Assessment roll updated June 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4 BROADVIEW RD, WESTPORT, CT 06880-2302 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 02, 2021 | Deed of Trust, Mortgage · ARM CITIBANK NA |
| May 08, 2019 | Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 12 BLUFF AVE, WESTERLY, RI 02891-5704 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 2021-17475 |
|---|---|
| Date | Jul 02, 2021 |
| Book Page | 2021/17475 |
| Instrument | 2021-3924 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.63% |
| Type Change Date | Jul 01, 2031 |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 12 BLUFF AVE, WESTERLY, RI 02891-5704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019-7168 |
|---|---|
| Date | May 08, 2019 |
| Book Page | 2019/7168 |
| Instrument | 2019-1860 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Aug 01, 2024 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $129,304.00 (+38.22%) | $18,186,200 (+87.01%) Land $13,360,800 Building $4,825,400 |
| 2023 | $93,551.00 (-12.59%) | $9,724,600 (-13.14%) Land $8,773,800 Building $950,800 |
| 2022 | $107,026.00 | $11,195,200 Land $8,773,800 Building $2,421,400 |
Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090510001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 456 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 506 units insured 50 under condo master policies |
| Nearby Flood Claims | 157 (1978–2024) |
| Claims Outside the SFHA | 22 of 157 |
| Most Recent Claim | Jan 2024, rainfall accumulation, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 5% of the US · above 17% of Rhode Island |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Watch Hill Historic District listed 1985 · 179 contributing resources · NRIS 85001948 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 133 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cox Communications | Cable | 2,000 / 35 |
| Verizon | Fiber | 980 / 880 |
May also be available at this address: Verizon, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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