123 Canal St, Westerly, RI 02891 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,362 sqft · built 1972
Lot Size	1.54 acres (67,272 sqft)
Owner	Individual Name on Record
Tax Bill	$3,474 (2025)
Deeds & Mortgages	Aug 2022 Transfer Sep 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`WEST M:36 B:26`

Property Details

APN / Parcel Number

Primary APN	`WEST M:36 B:26`
Alternative APNs	`M:036 B:26 L` `19054510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,362 sqft Living Area
Gross Area	3,396 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,272 sqft (1.54 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19054510
Street Address	123 CANAL ST
City	WESTERLY
State	RI
Zip	02891-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	26
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	5
Census Block	5000
Census Tract	50801

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	123 CANAL ST, WESTERLY, RI 02891-1540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage CHARTER OAK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 25, 2022
Transfer Doc	2022-15068
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Aug 26, 2022
Property Address	123 CANAL ST, WESTERLY, RI 02891-1540
Document Number	2022-15068
Book / Page	2022 / 15068
Instrument Date	Aug 25, 2022
Instrument	2022-3606
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	123 CANAL ST, WESTERLY, RI 02891-1540

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	123 CANAL ST, WESTERLY, RI 02891-1540
Document Number	2018-5975
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 CANAL ST WESTERLY RI 028911540, WESTERLY, RI 02891-1540

Mortgage

Document Number	2018-5975
Date	Sep 25, 2018
Book Page	002018/015975
Instrument	4024

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 24, 2043

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	$3,474.00 (-3.47%)	$446,500 (+26.06%) Land $170,100 Building $276,400	$428,305
2023	$3,599.00 (+0.62%)	$354,200 (-) Land $125,500 Building $228,700
2022	$3,577.00	$354,200 Land $125,500 Building $228,700

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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	34 (1979–2010)
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 32 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 96% of the US · lower than 88% 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Breezeline, Frontier, Xfinity.

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