13 Hubbard St, Westerly, RI 02891 Property Records

Westerly Town property record for 13 Hubbard St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,204 sqft · built 1960
Lot Size	0.604 acres (26,326 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2014)
Tax Bill	$4,729 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:107 B:8`

Property Details

APN / Parcel Number

Primary APN	`WEST M:107 B:8`
Alternative APNs	`M:107 B:8 L` `4047949`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,204 sqft Living Area
Gross Area	4,267 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,326 sqft (0.604 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4047949
Street Address	13 HUBBARD ST
City	WESTERLY
State	RI
Zip	02891-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2025
Census Tract	50802

Owner

13 Hubbard St is owned and occupied by an individual who bought it in June 2014.

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

Owner of Record	Individual Name on File
Mailing Address	13 HUBBARD ST, WESTERLY, RI 02891-3207
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTHWEST FCU
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Apr 2, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 8, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2014 · Amount on File
Deed Sale	Jun 6, 2014 · Amount on File
Prior Sale	Jul 5, 2005 · Amount on File
Deed Document Number	20142412
Deed Book / Page	2014 / 9321
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	13 HUBBARD ST, WESTERLY, RI 02891-3207
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-11389
Date	Jun 20, 2022
Book Page	2022/11389
Instrument	2022-2682

Lender

Name	NORTHWEST FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	13 HUBBARD ST, WESTERLY, RI 02891-3207
Transaction Type	Mortgage
Record Updated	May 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-11308
Date	Apr 27, 2021
Book Page	2021/11308
Instrument	20212484

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	13 HUBBARD ST, WESTERLY, RI 02891-3207
Document Number	2020-8722
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 HUBBARD ST WESTERLY RI 028913207, WESTERLY, RI 02891-3207

Mortgage

Document Number	2020-8722
Date	Sep 14, 2020
Book Page	002020/018722
Instrument	4301

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	13 HUBBARD ST, WESTERLY, RI 02891-3207
Document Number	2018-1061
Book / Page	002018 / 001061
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Feb 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 HUBBARD ST WESTERLY RI 028913207, WESTERLY, RI 02891-3207

Mortgage

Document Number	2018-1061
Date	Jan 22, 2018
Book Page	002018/001061
Instrument	259

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 13 Hubbard St was $4,729.

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	$4,729.00	$607,800 Land $227,900 Building $379,900	$689,011
2023	$5,027.00 (+0.6%)	$494,800 (-) Land $162,900 Building $331,900
2022	$4,997.00	$494,800 Land $162,900 Building $331,900

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

Flood

FEMA maps place 13 Hubbard St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1991.

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 File 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

Wildfire risk around 13 Hubbard 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 99.1% of the US · lower than 97.9% 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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