12 Top St, Westerly, RI 02891 Property Records

Westerly Town property record for 12 Top St, Westerly, RI 02891 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,080 sqft · built 1955
Lot Size	0.168 acres (7,307 sqft)
Owner	Individual Name on File
Last Sale	$81,000 (Dec 1995)
Tax Bill	$4,071 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:57 B:351`

Property Details

APN / Parcel Number

Primary APN	`WEST M:57 B:351`
Alternative APNs	`M:057 B:351 L` `18086600`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	3,260 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,307 sqft (0.168 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	18086600
Street Address	12 TOP ST
City	WESTERLY
State	RI
Zip	02891-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	351
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2009
Census Tract	50801

Owner

Source: Westerly Town records · APN WEST M:57 B:351

Assessment roll updated June 22, 2026 · Last verified August 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 File
Mailing Address	12 TOP ST, WESTERLY, RI 02891-1906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 01, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHELSEA GROTON BANK
Aug 29, 2022	Deed, Transfer
Jun 05, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHELSEA GROTON BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 29, 1995 · Amount on Record
Deed Sale	Dec 29, 1995 · Amount on Record
Prior Sale	Dec 06, 1989 · Amount on Record
Deed Book / Page	582 / 125
Last Transfer Date	Aug 18, 2022
Transfer Doc	2022-15268
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 TOP ST, WESTERLY, RI 02891-1906
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02024-3342
Date	Apr 01, 2024
Book Page	2024/3342
Instrument	2024-943

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	85 Months
Due	May 01, 2031

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTERLY RI
Recording Date	Aug 29, 2022
Property Address	12 TOP ST, WESTERLY, RI 02891-1906
Document Number	2022-15268
Book / Page	2022 / 15268
Instrument Date	Aug 18, 2022
Instrument	2022-3658
Transaction Type	Transfer
Record Updated	Sep 08, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	12 TOP ST, WESTERLY, RI 02891-1906

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 TOP ST, WESTERLY, RI 02891-1906
Document Number	2020-885
Instrument Date	Jun 05, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TOP ST WESTERLY RI 028911906, WESTERLY, RI 02891-1906

Mortgage

Document Number	2020-885
Date	Jun 10, 2020
Book Page	002020/010885
Instrument	2496

Lender

Name	CHELSEA GROTON BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 09, 2030

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$4,071.00 (+6.26%)	$523,300 (+38.77%) Land $159,800 Building $363,500
2023	$3,831.00 (+0.58%)	$377,100 (-) Land $114,300 Building $262,800
2022	$3,809.00	$377,100 Land $114,300 Building $262,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090508012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 442 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fiber	980 / 880

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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