16 Waters Edge Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 16 Waters Edge Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	6 bd · 3.5 ba · 2,955 sqft · built 1905
Lot Size	0.677 acres (29,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jan 2008)
Tax Bill	$45,021 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Sep 2017 Mortgage
Flood Zone	Zone VE (high risk)
APN	`WEST M:179 B:14`

Property Details

APN / Parcel Number

Primary APN	`WEST M:179 B:14`
Alternative APNs	`M:179 B:14 L` `4067575`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	2,955 sqft Living Area
Gross Area	6,279 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	29,475 sqft (0.677 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	4067575
Street Address	16 WATERS EDGE RD
City	WESTERLY
State	RI
Zip	02891-5716
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	14
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1036
Census Tract	51000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Watch Hill Historic District listed 1985 · 179 contributing resources · NRIS 85001948

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	9 LEGGETT RD, BRONXVILLE, NY 10708-4900
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Sep 14, 2017	Deed of Trust, Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2008 · Amount on Record
Deed Sale	Jan 15, 2008 · Amount on Record
Deed Book / Page	1698 / 141
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	16 WATERS EDGE RD, WESTERLY, RI 02891-5716
Document Number	2019-2670
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WATERS EDGE RD WESTERLY RI 028915716, WESTERLY, RI 02891-5716

Mortgage

Document Number	2019-2670
Date	Aug 6, 2019
Book Page	002019/012670
Instrument	3236

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2049

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	16 WATERS EDGE RD, WESTERLY, RI 02891-5716
Document Number	2017-6518
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WATERS EDGE RD WESTERLY RI 028915716, WESTERLY, RI 02891-5716

Mortgage

Document Number	2017-6518
Date	Sep 18, 2017
Book Page	002017/016518
Instrument	4060

Lender

Name	JP MORGAN CHASE BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

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	$45,021.00 (+13.4%)	$6,332,000 (+53.43%) Land $5,606,200 Building $725,800
2023	$39,701.00 (+0.63%)	$4,126,900 (-) Land $3,599,700 Building $527,200
2022	$39,453.00	$4,126,900 Land $3,599,700 Building $527,200

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 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	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 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 94% of the US · lower than 80% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 133 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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