12 W Beach St, Westerly, RI 02891 Property Records

Westerly Town property record for 12 W Beach St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1959
Lot Size	0.27 acres (11,750 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Sep 1999)
Tax Bill	$3,160 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jul 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:96 B:103`

Property Details

APN / Parcel Number

Primary APN	`WEST M:96 B:103`
Alternative APNs	`M:096 B:103 L` `4000280`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,232 sqft Living Area
Gross Area	2,726 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,750 sqft (0.27 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	4000280
Street Address	12 W BEACH ST
City	WESTERLY
State	RI
Zip	02891-2828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	103
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2009
Census Tract	50802

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	12 W BEACH ST, WESTERLY, RI 02891-2828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Line of Credit TRUST COMPANY
Jul 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Dec 23, 2016	Deed of Trust, Mortgage · Line of Credit WASHINGTON TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 1999 · Amount on Record
Deed Sale	Sep 16, 1999 · Amount on Record
Deed Book / Page	791 / 134
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Oct 1, 2026
Property Address	12 W BEACH ST, WESTERLY, RI 02891-2828
Document Number	0000003400
Book / Page	2026 / 15525
Instrument Date	Sep 30, 2026
Instrument	20263400
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 W BEACH ST, WESTERLY, RI 02891-2828

Mortgage

Document Number	0000003400,
Date	Oct 1, 2026
Book Page	2026/15525
Instrument	20263400

Lender

Name	TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 W BEACH ST, WESTERLY, RI 02891-2828
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023-9594
Date	Jul 24, 2023
Book Page	2023/9594
Instrument	2023-2388

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 W BEACH ST, WESTERLY, RI 02891-2828
Document Number	2017-1294
Book / Page	002017 / 001294
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Feb 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 W BEACH ST WESTERLY RI 028912828, WESTERLY, RI 02891-2828

Mortgage

Document Number	2017-1294
Date	Jan 19, 2017
Book Page	002017/001294
Instrument	301

Lender

Name	WASHINGTON TR CO

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

Interest

Rate Type	Adjustable Rate

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	$3,160.00 (+4.88%)	$406,200 (+36.95%) Land $166,400 Building $239,800	$437,696
2023	$3,013.00 (+0.57%)	$296,600 (-) Land $118,800 Building $177,800
2022	$2,996.00	$296,600 Land $118,800 Building $177,800

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (1991–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Severe Storms And Flooding, Mar 2010 · 5 claims Hurricane Bob, Aug 1991 · 2 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	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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Breezeline, Frontier, T-Mobile, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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