Westerly Town property record for 13 Top St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,278 sqft · built 1955 |
| Lot Size | 0.208 acres (9,049 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Apr 2024) |
| Tax Bill | $3,023 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:58 B:20 |
| Primary APN | WEST M:58 B:20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,278 sqft Living Area |
| Gross Area | 3,530 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,049 sqft (0.208 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 7112685 |
|---|---|
| Street Address | 13 TOP ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 20 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 50801 |
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 | 22 JORDAN TER, WATERFORD, CT 06385-2706 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 15, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK |
| Jul 19, 2017 | Trustee's Deed, Transfer · Conventional with PMI WESTERLY CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on Record |
| Deed Sale | Apr 15, 2024 · Amount on Record |
| Prior Sale | Jul 19, 2017 · Amount on Record |
| Deed Document Number | 20241094 |
| Deed Book / Page | 2024 / 3918 |
| Transfer Doc | 1839-265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 15, 2024 |
| Property Address | 13 TOP ST, WESTERLY, RI 02891-1905 |
| Document Number | 02024-3918 |
| Book / Page | 2024 / 3918 |
| Instrument Date | Apr 15, 2024 |
| Instrument | 2024-1094 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 JORDAN TER, WATERFORD, CT 06385-2706 |
| Document Number | 0020241095 |
|---|---|
| Date | Apr 15, 2024 |
| Instrument | 2024-1095 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 19, 2017 |
| Property Address | 13 TOP ST, WESTERLY, RI 02891-1905 |
| Document Number | 2017-2944 |
| Book / Page | 002017 / 012944 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 3183 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 TOP ST WESTERLY RI 028911905, WESTERLY, RI 02891-1905 |
| Document Number | 2017-2947 |
|---|---|
| Date | Jul 19, 2017 |
| Book Page | 002017/012947 |
| Instrument | 3184 |
| Name | WESTERLY CMNTY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2047 |
| Rate | 2.75% |
|---|
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,023.00 (+1.37%) | $388,500 (+32.37%) Land $160,300 Building $228,200 | $430,110 |
| 2023 | $2,982.00 (+0.61%) | $293,500 (-) Land $114,800 Building $178,700 | |
| 2022 | $2,964.00 | $293,500 Land $114,800 Building $178,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
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 | Low lower than 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 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.
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 442 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 |
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