12 Waters Edge Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 12 Waters Edge Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	5 bd · 3.5 ba · 3,202 sqft · built 1898
Lot Size	0.88 acres (38,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,000,000 (Mar 2022)
Tax Bill	$31,630 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`WEST M:179 B:13`

Property Details

APN / Parcel Number

Primary APN	`WEST M:179 B:13`
Alternative APNs	`M:179 B:13 L` `2111720`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,202 sqft Living Area
Gross Area	5,758 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,325 sqft (0.88 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2111720
Street Address	12 WATERS EDGE RD
City	WESTERLY
State	RI
Zip	02891-5716
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	13
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1036
Census Tract	51000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

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	2 Individual Names on Record
Mailing Address	309 BEDFORD RD, PLEASANTVILLE, NY 10570-2212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · ARM THE WASHINGTON TRUST CO OF WESTERLY
Mar 11, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST REPUBLIC BANK
Mar 1, 2019	Deed of Trust, Mortgage · Line of Credit WASHINGTON TR CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Prior Sale	Apr 12, 2011 · Amount on Record
Deed Book / Page	2022 / 5084
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 WATERS EDGE RD, WESTERLY, RI 02891-5716
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021-9561
Date	Apr 13, 2021
Book Page	2021/9561
Instrument	2021-2165

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.38%
Type Change Date	May 1, 2028
Index	1-Year CMT
Margin	3

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 11, 2022
Property Address	12 WATERS EDGE RD, WESTERLY, RI 02891-5716
Document Number	02022-5084
Book / Page	2022 / 5084
Instrument Date	Mar 11, 2022
Instrument	2022-1179
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	309 BEDFORD RD, PLEASANTVILLE, NY 10570-2212

Mortgage

Document Number	0020221180
Date	Mar 11, 2022
Instrument	2022-1180

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	12 WATERS EDGE RD, WESTERLY, RI 02891-5716
Document Number	2019-3388
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 WINDING WAY WESTERLY RI 02891, WESTERLY, RI 02891

Mortgage

Document Number	2019-3388
Date	Mar 5, 2019
Book Page	002019/003388
Instrument	890

Lender

Name	WASHINGTON TR CO

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2049

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	$31,630.00 (+9.51%)	$4,448,700 (+48.18%) Land $3,775,400 Building $673,300	$4,697,358
2023	$28,882.00 (+0.63%)	$3,002,300 (-) Land $2,472,300 Building $530,000
2022	$28,702.00	$3,002,300 Land $2,472,300 Building $530,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 456 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	506 units insured incl. 50 condo units
Nearby Flood Claims	157 (1978–2024)
Claims Outside the SFHA	22 of 157
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 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	Low lower than 94% of the US · lower than 80% 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 133 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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