Westerly Town property record for 16 Top St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,620 sqft · built 1951 |
| Lot Size | 0.168 acres (7,307 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,369 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Apr 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:58 B:27 |
| Primary APN | WEST M:58 B:27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 3,240 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,307 sqft (0.168 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4139200 |
|---|---|
| Street Address | 16 TOP ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 27 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 50801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 TOP ST, WESTERLY, RI 02891-1906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 6, 2025 | Warranty Deed, Transfer |
| Apr 5, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 5, 2022 | Deed, Transfer |
| Feb 24, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 15, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 24, 2025 |
| Transfer Doc | 2025-14466 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Oct 6, 2025 |
| Property Address | 16 TOP ST, WESTERLY, RI 02891-1906 |
| Document Number | 2025-14466 |
| Book / Page | 2025 / 14466 |
| Instrument Date | Jul 24, 2025 |
| Instrument | 2025-3469 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 TOP ST, WESTERLY, RI 02891-1906 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 5, 2022 |
| Property Address | 16 TOP ST, WESTERLY, RI 02891-1906 |
| Document Number | 02022-6793 |
| Book / Page | 2022 / 6793 |
| Instrument Date | Mar 19, 2022 |
| Instrument | 2022-1590 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Document Type | Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 5, 2022 |
| Property Address | 16 TOP ST, WESTERLY, RI 02891-1906 |
| Document Number | 02022-6790 |
| Book / Page | 2022 / 6790 |
| Instrument Date | Mar 19, 2022 |
| Instrument | 2022-1589 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Feb 24, 2022 |
| Property Address | 16 TOP ST, WESTERLY, RI 02891-1906 |
| Document Number | 02022-3830 |
| Book / Page | 2022 / 3830 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022-895 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2022 |
| 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 | 16 TOP ST, WESTERLY, RI 02891-1906 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020-6701 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 2020/6701 |
| Instrument | 2020-1554 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2045 |
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 |
|---|---|---|
| 2025 | $3,369.00 (-2.38%) | $433,000 (+27.47%) Land $159,800 Building $273,200 |
| 2023 | $3,451.00 (+0.58%) | $339,700 (-) Land $114,300 Building $225,400 |
| 2022 | $3,431.00 | $339,700 Land $114,300 Building $225,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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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