176 Winnapaug Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 176 Winnapaug Rd, Westerly, RI 02891 · Last verified June 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.5 ba · 1,715 sqft · built 1978
Lot Size	1.17 acres (51,344 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Mar 2024)
Tax Bill	$4,061 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:127 B:96`

Property Details

APN / Parcel Number

Primary APN	`WEST M:127 B:96`
Alternative APNs	`M:127 B:96 L` `23151725`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,715 sqft Living Area
Gross Area	5,707 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	51,344 sqft (1.17 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	23151725
Street Address	176 WINNAPAUG RD
City	WESTERLY
State	RI
Zip	02891-3535
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	96
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3016
Census Tract	50902

Owner

Source: Westerly Town records · APN WEST M:127 B:96

Assessment roll updated June 22, 2026 · Last verified June 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 File
Mailing Address	381 WOODLAND ST, MANCHESTER, CT 06042-2803
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 08, 2024 · Amount on Record
Deed Sale	Mar 08, 2024 · Amount on Record
Prior Sale	Apr 12, 1999 · Amount on Record
Deed Book / Page	2024 / 2264
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 08, 2024
Property Address	176 WINNAPAUG RD, WESTERLY, RI 02891-3535
Document Number	02024-2264
Book / Page	2024 / 2264
Instrument Date	Mar 08, 2024
Instrument	2024-647
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	381 WOODLAND ST, MANCHESTER, CT 06042-2803

Mortgage

Document Number	0002024648
Date	Mar 08, 2024
Instrument	2024-648

Lender

Name	DIME BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$4,061.00 (+7.29%)	$571,100 (+45.13%) Land $262,300 Building $308,800
2023	$3,785.00 (+0.61%)	$393,500 (-) Land $150,200 Building $243,300
2022	$3,762.00	$393,500 Land $150,200 Building $243,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090509023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (2009–2010)
Most Recent Claim	Mar 2010, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 164 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 35
Verizon	Fiber	980 / 880

May also be available at this address: T-Mobile USA, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.