144 Beach St, Westerly, RI 02891 Property Records

Westerly Town property record for 144 Beach St, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 2 ba · 1,916 sqft · built 1929
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$589,000 (Oct 2023)
Tax Bill	$4,701 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:107 B:13`

Property Details

APN / Parcel Number

Primary APN	`WEST M:107 B:13`
Alternative APNs	`M:107 B:13 L` `13187185`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,916 sqft Living Area
Gross Area	3,931 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,200 sqft (0.234 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13187185
Street Address	144 BEACH ST
City	WESTERLY
State	RI
Zip	02891-3206
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	13
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2025
Census Tract	50802

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	11123 GLADE DR, RESTON, VA 20191-4706
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Oct 17, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage BETHPAGE FCU
Jul 27, 2020	Warranty Deed, Transfer · Conventional Mortgage LEADER BK NA
Jul 14, 2017	Warranty Deed, Transfer · Conventional with PMI SEACOAST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Jul 27, 2020 · Amount on Record
Deed Document Number	20233522
Deed Book / Page	2023 / 14098
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	144 BEACH ST, WESTERLY, RI 02891-3206
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025-17834
Date	Dec 8, 2025
Book Page	2025/17834
Instrument	2025-4292

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Oct 17, 2023
Property Address	144 BEACH ST, WESTERLY, RI 02891-3206
Document Number	2023-14098
Book / Page	2023 / 14098
Instrument Date	Oct 17, 2023
Instrument	2023-3522
Transaction Type	Transfer
Record Updated	Oct 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Tenants by the Entirety
Address	1123 GLADE DR, RESTON, VA 20191

Mortgage

Document Number	0020233523
Date	Oct 17, 2023
Instrument	2023-3523

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.63%
Type Change Date	Nov 1, 2030
Max Rate At Change	2.5%
Index	1-Year CMT

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 27, 2020
Property Address	144 BEACH ST, WESTERLY, RI 02891-3206
Document Number	2020-4607
Book / Page	002020 / 014607
Instrument Date	Jul 24, 2020
Instrument	3395
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FOSTER DR NORTON MA 027661162, NORTON, MA 02766-1162

Mortgage

Document Number	2020-4609
Date	Jul 27, 2020
Book Page	002020/014609
Instrument	3396

Lender

Name	LEADER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 14, 2017
Property Address	144 BEACH ST, WESTERLY, RI 02891-3206
Document Number	2017-2642
Book / Page	002017 / 012642
Instrument Date	Jul 14, 2017
Instrument	3106
Transaction Type	Transfer
Record Updated	Aug 2, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$362.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	144 BEACH ST WESTERLY RI 028913206, WESTERLY, RI 02891-3206

Mortgage

Document Number	2017-2646
Date	Jul 14, 2017
Book Page	002017/012646
Instrument	3107

Lender

Name	SEACOAST MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

Mortgage

Document Number	2017-2659,
Date	Jul 14, 2017
Book Page	002017/012659
Instrument	3108

Lender

Name	RHODE ISLAND HSNG & MTG FIN
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 13, 2032

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	$4,701.00 (+5.83%)	$604,200 (+38.2%) Land $171,000 Building $433,200
2023	$4,442.00 (+0.59%)	$437,200 (-) Land $122,200 Building $315,000
2022	$4,416.00	$437,200 Land $122,200 Building $315,000

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
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	Low lower than 93% of the US · lower than 77% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications, Verizon.

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