Westerly Town property record for 15 Breach Dr, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 4 bd · 1 ba · 1,260 sqft · built 1924 |
| Lot Size | 0.215 acres (9,360 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $440,000 (Sep 2016) |
| Tax Bill | $5,525 (2025) |
| Deeds & Mortgages | Jun 2021 Refinance Jan 2026 Transfer + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | WEST M:156 B:41 |
| Primary APN | WEST M:156 B:41 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 2,130 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,360 sqft (0.215 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 18002105 |
|---|---|
| Street Address | 15 BREACH DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4403 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 41 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 51000 |
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 | 15 BREACH DR, WESTERLY, RI 02891-4403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK |
| Jan 8, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Jan 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jan 25, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance GUARANTEED RATE INC |
| Sep 29, 2017 | Deed of Trust, Mortgage · Conventional with PMI SAVINGS INSTITUTE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2016 · Amount on Record |
| Deed Sale | Sep 26, 2016 · Amount on Record |
| Last Transfer Date | Jan 8, 2026 |
| Transfer Doc | 002026-197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 15 BREACH DR, WESTERLY, RI 02891-4403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 2021-14860 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 2021/14860 |
| Instrument | 2021-3284 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Jul 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jan 8, 2026 |
| Property Address | 15 BREACH DR, WESTERLY, RI 02891-4403 |
| Document Number | 002026-197 |
| Book / Page | 2026 / 197 |
| Instrument Date | Jan 8, 2026 |
| Instrument | 2026-57 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 15 BREACH DR, WESTERLY, RI 02891-4403 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02021-1907 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 2021/1907 |
| Instrument | 2021-445 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jan 25, 2021 |
| Property Address | 15 BREACH DR, WESTERLY, RI 02891-4403 |
| Document Number | 02021-1903 |
| Book / Page | 2021 / 1903 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 2021-444 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 SUNNINGDALE, FARMINGTON, CT 06032-1460 |
| Document Number | 02021-1907 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 2021/1907 |
| Instrument | 2021-445 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 15 BREACH DR, WESTERLY, RI 02891-4403 |
| Document Number | 2017-7310 |
| Book / Page | 002017 / 017310 |
| Instrument Date | Sep 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2017 |
| Name | Verified Name |
|---|---|
| Address | 15 BREACH DR WESTERLY RI 028914403, WESTERLY, RI 02891-4403 |
| Document Number | 2017-7310 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 002017/017310 |
| Instrument | 4276 |
| Name | SAVINGS INSTITUTE |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 28, 2047 |
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 | $5,525.00 (+6.72%) | $777,100 (+44.42%) Land $510,100 Building $267,000 | $1,374,661 |
| 2023 | $5,177.00 (+0.64%) | $538,100 (-) Land $364,300 Building $173,800 | |
| 2022 | $5,144.00 | $538,100 Land $364,300 Building $173,800 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 456 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 506 units insured incl. 50 condo units |
| Nearby Flood Claims | 157 (1978–2024) |
| Claims Outside the SFHA | 22 of 157 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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 | 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.
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 50 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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