14 Franklin St, Westerly, RI 02891 Property Records

Westerly Town property record for 14 Franklin St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,443 sqft · built 1950
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$113,667 (May 2024)
Tax Bill	$2,648 (2025)
Deeds & Mortgages	Jan 2026 Sale Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:77 B:406`

Property Details

APN / Parcel Number

Primary APN	`WEST M:77 B:406`
Alternative APNs	`M:077 B:406 L` `13007780`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,443 sqft Living Area
Gross Area	2,987 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	13007780
Street Address	14 FRANKLIN ST
City	WESTERLY
State	RI
Zip	02891-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	406
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2050
Census Tract	50901

Owner

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	14 FRANKLIN ST, WESTERLY, RI 02891-3123
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Warranty Deed, Transfer
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 3, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage PROVINCE MORTGAGE ASSOCIATES INC
May 3, 2024	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	May 3, 2024 · Amount on Record
Deed Document Number	20241389
Deed Book / Page	2024 / 5378
Last Transfer Date	Jan 15, 2026
Transfer Doc	002026-712
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jan 15, 2026
Property Address	14 FRANKLIN ST, WESTERLY, RI 02891-3123
Document Number	002026-712
Book / Page	2026 / 712
Instrument Date	Jan 15, 2026
Instrument	2026-164
Transaction Type	Transfer
Record Updated	Feb 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14 FRANKLIN ST, WESTERLY, RI 02891-3123

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	14 FRANKLIN ST, WESTERLY, RI 02891-3123
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025-18468
Date	Dec 22, 2025
Book Page	2025/18468
Instrument	2025-4457

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 3, 2024
Property Address	14 FRANKLIN ST, WESTERLY, RI 02891-3123
Document Number	02024-5378
Book / Page	2024 / 5378
Instrument Date	May 3, 2024
Instrument	2024-1389
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	18 COBLEIGH ST, CHARLESTOWN, RI 02813-2338

Mortgage

Document Number	0020241390
Date	May 3, 2024
Instrument	2024-1390

Lender

Name	PROVINCE MORTGAGE ASSOCIATES INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2024: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	May 3, 2024
Property Address	14 FRANKLIN ST, WESTERLY, RI 02891-3123
Document Number	02024-5375
Book / Page	2024 / 5375
Instrument Date	May 3, 2024
Instrument	2024-1388
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	18 COBLEIGH ST, CHARLESTOWN, RI 02813-2338

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
2025	$2,648.00 (+1.38%)	$340,300 (+32.36%) Land $163,100 Building $177,200
2023	$2,612.00 (+0.58%)	$257,100 (-) Land $116,500 Building $140,600
2022	$2,597.00	$257,100 Land $116,500 Building $140,600

Assessed value is set for property tax purposes and is not a market price estimate.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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 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.

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 170 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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