14 W Beach St, Westerly, RI 02891 Property Records

Westerly Town property record for 14 W Beach St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,512 sqft · built 1962
Lot Size	0.272 acres (11,850 sqft)
Owner	Individual Name on Record
Last Sale	$129,500 (Jan 1997)
Tax Bill	$3,153 (2025)
Deeds & Mortgages	Jun 2023 Refinance Mar 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:96 B:104`

Property Details

APN / Parcel Number

Primary APN	`WEST M:96 B:104`
Alternative APNs	`M:096 B:104 L` `3324500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
Gross Area	2,784 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,850 sqft (0.272 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3324500
Street Address	14 W BEACH ST
City	WESTERLY
State	RI
Zip	02891-2828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	104
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2009
Census Tract	50802

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	14 W BEACH ST, WESTERLY, RI 02891-2828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY
Mar 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PRESIDENTIAL BANK FSB
Jun 16, 2017	Deed of Trust, Mortgage PRESIDENTIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 1997 · Amount on Record
Deed Sale	Jan 10, 1997 · Amount on Record
Deed Book / Page	629 / 324
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	14 W BEACH ST, WESTERLY, RI 02891-2828
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023-7116
Date	Jun 1, 2023
Book Page	2023/7116
Instrument	2023-1765

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	14 W BEACH ST, WESTERLY, RI 02891-2828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020-4065
Date	Mar 9, 2020
Book Page	2020/4065
Instrument	2485-970

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	14 W BEACH ST, WESTERLY, RI 02891-2828
Document Number	2017-740
Book / Page	002017 / 010740
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 W BEACH ST WESTERLY RI 028912828, WESTERLY, RI 02891-2828

Mortgage

Document Number	2017-740
Date	Jun 19, 2017
Book Page	002017/010740
Instrument	2639

Lender

Name	PRESIDENTIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2047

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	$3,153.00 (-2.81%)	$405,300 (+26.93%) Land $166,600 Building $238,700	$481,705
2023	$3,244.00 (+0.59%)	$319,300 (-) Land $119,000 Building $200,300
2022	$3,225.00	$319,300 Land $119,000 Building $200,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

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 198 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

May also be available: Breezeline, Frontier, T-Mobile, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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