12 Tom Harvey Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 12 Tom Harvey Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,901 sqft · built 1983
Lot Size	0.899 acres (39,148 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Mar 2019)
Tax Bill	$5,924 (2025)
Deeds & Mortgages	Aug 2022 Refinance Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:140 B:7`

Property Details

APN / Parcel Number

Primary APN	`WEST M:140 B:7`
Alternative APNs	`M:140 B:7 L` `13143856`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,901 sqft Living Area
Gross Area	3,835 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Contemporary
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,148 sqft (0.899 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	13143856
Street Address	12 TOM HARVEY RD
City	WESTERLY
State	RI
Zip	02891-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3062
Census Tract	50902

Owner

12 Tom Harvey Rd is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	12 TOM HARVEY RD, WESTERLY, RI 02891-3603
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Apr 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Mar 4, 2019	Trustee's Deed, Foreclosure · Conventional Mortgage WASHINGTON TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2019 · Amount on File
Deed Sale	Mar 4, 2019 · Amount on File
Prior Sale	Nov 7, 2001 · Amount on File
Deed Document Number	2019872
Deed Book / Page	2019 / 3282
Prior Transfer Date	Feb 15, 2019
Prior Transfer Doc	2019-3282
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 TOM HARVEY RD, WESTERLY, RI 02891-3603
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-15386
Date	Aug 31, 2022
Book Page	2022/15386
Instrument	2022-3700

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 TOM HARVEY RD, WESTERLY, RI 02891-3603
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020-7298
Date	Apr 24, 2020
Book Page	2020/7298
Instrument	2020-1693

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

March 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 4, 2019
Property Address	12 TOM HARVEY RD, WESTERLY, RI 02891-3603
Document Number	2019-3282
Book / Page	002019 / 003282
Instrument Date	Feb 15, 2019
Instrument	872
Transaction Type	Foreclosure
Record Updated	Mar 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TOM HARVEY RD WESTERLY RI 028913603, WESTERLY, RI 02891-3603

Mortgage

Document Number	2019-3289
Date	Mar 4, 2019
Book Page	002019/003289
Instrument	874

Lender

Name	WASHINGTON TR CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12 Tom Harvey Rd was $5,924.

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	$5,924.00	$833,200 Land $494,900 Building $338,300	$872,513
2023	$5,912.00 (+0.61%)	$614,600 (-) Land $355,200 Building $259,400
2022	$5,876.00	$614,600 Land $355,200 Building $259,400

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

Flood

FEMA maps place 12 Tom Harvey Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (2009–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Wildfire risk around 12 Tom Harvey Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 83% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 62 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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