Westerly Town property record for 13 Cove Rd, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 1,078 sqft · built 1904 |
| Lot Size | 0.29 acres (12,614 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $695,000 (Jul 2022) |
| Tax Bill | $4,586 (2025) |
| Deeds & Mortgages | Jul 2022 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | WEST M:143 B:101 |
| Primary APN | WEST M:143 B:101 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,078 sqft Living Area |
| Gross Area | 2,266 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,614 sqft (0.29 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 2082721 |
|---|---|
| Street Address | 13 COVE RD |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4407 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 101 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 51000 |
Source: Westerly Town records, as of June 22, 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 | 13 COVE RD, WESTERLY, RI 02891-4407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2022 · Amount on Record |
| Deed Sale | Jul 14, 2022 · Amount on Record |
| Deed Document Number | 20223054 |
| Deed Book / Page | 2022 / 12920 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 14, 2022 |
| Property Address | 13 COVE RD, WESTERLY, RI 02891-4407 |
| Document Number | 2022-12920 |
| Book / Page | 2022 / 12920 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 2022-3054 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,586.00 (+2.57%) | $645,000 (+38.77%) Land $429,800 Building $215,200 |
| 2023 | $4,471.00 (+0.63%) | $464,800 (-) Land $307,400 Building $157,400 |
| 2022 | $4,443.00 | $464,800 Land $307,400 Building $157,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 140 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 143 units insured incl. 3 condo units |
| Nearby Flood Claims | 28 (1985–2021) |
| Claims Outside the SFHA | 8 of 28 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 258 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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