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16 Watch Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 16 Watch Hill Rd, Westerly, RI 02891

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,968 sqft · built 1992
Lot Size0.549 acres (23,920 sqft)
OwnerIndividual Name on Record
Last Sale$118,500 (Dec 1993)
Tax Bill$4,208 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jul 2018 Mortgage
Flood ZoneZone X (minimal risk)
APNWEST M:117 B:104

Property Details

APN / Parcel Number

Primary APNWEST M:117 B:104
Alternative APNs
  • M:117 B:104 L
  • 8003370

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,968 sqft Living Area
Gross Area3,920 sqft

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area23,920 sqft (0.549 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number8003370
Street Address16 WATCH HILL RD
CityWESTERLY
StateRI
Zip02891-3204
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block104
JurisdictionWESTERLY RI
Township / Civil DivisionWESTERLY
Census Block Group2
Census Block2039
Census Tract50802

Owner

Source: Westerly Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address16 WATCH HILL RD, WESTERLY, RI 02891-3204
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2026Deed of Trust, Mortgage · Conventional Mortgage
WESTERLY COMMUNITY CREDIT UNION
Jul 6, 2018Deed of Trust, Mortgage · Conventional Mortgage
WESTERLY CMNTY CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 2, 1993 · Amount on Record
Deed SaleDec 2, 1993 · Amount on Record
Deed Book / Page494 / 4
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Recording DateApr 27, 2026
Property Address16 WATCH HILL RD, WESTERLY, RI 02891-3204
Document Number02026-5748
Book / Page2026 / 5748
Instrument DateApr 21, 2026
Instrument20261281
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address16 WATCH HILL RD, WESTERLY, RI 02891-3204

Mortgage

Document Number0000001281,
DateApr 27, 2026
Book Page2026/5748
Instrument20261281
Lender
NameWESTERLY COMMUNITY CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate6.38%
Max Rate-1%

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address16 WATCH HILL RD, WESTERLY, RI 02891-3204
Document Number2018-1491
Instrument DateJul 6, 2018
Transaction TypeMortgage
Record UpdatedJul 31, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address16 WATCH HILL RD WESTERLY RI 028913204, WESTERLY, RI 02891-3204

Mortgage

Document Number2018-1491
DateJul 11, 2018
Book Page002018/011491
Instrument2859
Lender
NameWESTERLY CMNTY CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueJul 10, 2023

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionWesterly Town
Unified School DistrictWesterly School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,208.00 (-4.84%)$540,900 (+24.29%) Land $196,000 Building $344,900$576,129
2023$4,422.00 (+0.59%)$435,200 (-) Land $140,400 Building $294,800
2022$4,396.00$435,200 Land $140,400 Building $294,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 24 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies24 in force
Nearby Flood Claims10 (1991–2024)
Most Recent ClaimJan 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 RiskLow
lower than 98% of the US · lower than 94% of Rhode Island
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWESTERLY WATER DEPARTMENT
serves 35,298 people · EPA ID RI1559512
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
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 164 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable · Fiber in parts of the area		2,000 / 35
Verizon
Fiber		980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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