123 Bay St, Westerly, RI 02891 Property Records

Westerly Town property record for 123 Bay St, Westerly, RI 02891

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 916 sqft · built 1940
Owner	Individual Name on File
Last Sale	$600,000 (Mar 2021)
Tax Bill	$6,520 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`M:185 B:32-F L:2`

Property Details

APN / Parcel Number

Primary APN	`M:185 B:32-F L:2`
Alternative APNs	`WEST M:185 B:32 L:F U:2` `18144310`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	916 sqft Living Area
Gross Area	1,416 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	18144310
Street Address	123 BAY ST
City	WESTERLY
State	RI
Zip	02891-5746
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	32
Legal Lot Number	F
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1037
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

123 Bay St, a condominium, is owned by an individual who bought it in March 2021.

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

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

Owner of Record	Individual Name on File
Mailing Address	445 ROUND HILL RD, GREENWICH, CT 06831-2618
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021 · Amount on File
Deed Sale	Mar 15, 2021 · Amount on File
Prior Sale	Oct 2, 2001 · Amount on File
Deed Document Number	20211439
Deed Book / Page	2021 / 6630
Transfer Doc	0930000039
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 15, 2021
Property Address	123 BAY ST, WESTERLY, RI 02891-5746
Document Number	2021-6630
Book / Page	2021 / 6630
Instrument Date	Mar 11, 2021
Instrument	2021-1439
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
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 in Common
Address	445 ROUND HILL RD, GREENWICH, CT 06831-2618

Mortgage

Document Number	20211441
Date	Mar 15, 2021
Instrument	2021-1441

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.38%
Type Change Date	Apr 1, 2028
Max Rate At Change	3%
Index	Other
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 123 Bay St was $6,520.

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	$6,520.00	$917,000 Building $917,000	$908,177
2023	$6,716.00 (+0.63%)	$698,100 (-) Building $698,100
2022	$6,674.00	$698,100 Building $698,100

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

Flood

FEMA maps place 123 Bay St in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
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 File 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

Wildfire risk around 123 Bay St 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 97% of the US · lower than 91% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 19 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