12 Summer St, Westerly, RI 02891 Property Records

Westerly Town property record for 12 Summer St, Westerly, RI 02891

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,735 sqft · built 1900
Lot Size	0.148 acres (6,436 sqft)
Owner	2 Company Names on Record
Last Sale	$385,000 (Jun 2019)
Tax Bill	$3,962 (2025)
Deeds & Mortgages	Apr 2021 Refinance Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:67 B:72`

Property Details

APN / Parcel Number

Primary APN	`WEST M:67 B:72`
Alternative APNs	`M:067 B:72 L` `13222900`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,735 sqft Living Area
Gross Area	4,550 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,436 sqft (0.148 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	13222900
Street Address	12 SUMMER ST
City	WESTERLY
State	RI
Zip	02891-2240
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	72
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3000
Census Tract	50801

Owner

Source: Westerly Town records, as of June 22, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	12 SUMMER ST, WESTERLY, RI 02891-2240
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU
Jun 17, 2019	Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2019 · Amount on Record
Deed Sale	Jun 17, 2019 · Amount on Record
Deed Document Number	20192447
Deed Book / Page	2019 / 9482
Last Transfer Date	Apr 2, 2025
Transfer Doc	02025-3962
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 SUMMER ST, WESTERLY, RI 02891-2240
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20212543
Date	Apr 29, 2021
Instrument	2021-2543

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTERLY RI
Recording Date	Jun 17, 2019
Property Address	12 SUMMER ST, WESTERLY, RI 02891-2240
Document Number	2019-9482
Book / Page	2019 / 9482
Instrument Date	Jun 14, 2019
Instrument	2019-2447
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SUMMER ST, WESTERLY, RI 02891-2240

Mortgage

Document Number	20192449
Date	Jun 17, 2019
Instrument	2019-2449

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$3,962.00 (+6.85%)	$509,200 (+39.51%) Land $151,900 Building $357,300
2023	$3,708.00 (+2.23%)	$365,000 (+1.64%) Land $108,500 Building $256,500
2022	$3,627.00	$359,100 Land $108,500 Building $250,600

Assessed value is set for property tax purposes and is not a market price estimate.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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	Not rated no burnable land within 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, Breezeline, Frontier, Xfinity.

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