Westerly Town property record for 18 Breach Dr, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 1 ba · 748 sqft · built 1958 |
| Lot Size | 0.26 acres (11,307 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $370,000 (Mar 2017) |
| Tax Bill | $6,128 (2025) |
| Deeds & Mortgages | Apr 2020 Refinance Aug 2020 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | WEST M:156 B:29 |
| Primary APN | WEST M:156 B:29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 748 sqft Living Area |
| Gross Area | 2,227 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,307 sqft (0.26 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 4121106 |
|---|---|
| Street Address | 18 BREACH DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4404 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 29 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 51000 |
Source: Westerly Town records, as of June 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 388 POST RD, WESTERLY, RI 02891-2633 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
| Date | Document |
|---|---|
| Apr 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance THE WASHINGTON TRUST CO OF WESTERLY |
| Aug 28, 2020 | Deed of Trust, Mortgage · Line of Credit WASHINGTON TR CO |
| Mar 1, 2017 | Trustee's Deed, Transfer · Conventional Mortgage WASHINGTON TR CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2017 · Amount on Record |
| Deed Sale | Mar 1, 2017 · Amount on Record |
| Prior Sale | Aug 26, 2013 · Amount on Record |
| Deed Document Number | 2017868 |
| Deed Book / Page | 2017 / 3556 |
| Transfer Doc | 5281 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 18 BREACH DR, WESTERLY, RI 02891-4404 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020-6409 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 2020/6409 |
| Instrument | 2020-1504 |
| Name | THE WASHINGTON TRUST CO OF WESTERLY |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 18 BREACH DR, WESTERLY, RI 02891-4404 |
| Document Number | 2020-7498 |
| Instrument Date | Aug 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 18 BREACH DR WESTERLY RI 028914404, WESTERLY, RI 02891-4404 |
| Document Number | 2020-7498 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 002020/017498 |
| Instrument | 4029 |
| Name | WASHINGTON TR CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 27, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Mar 1, 2017 |
| Property Address | 18 BREACH DR, WESTERLY, RI 02891-4404 |
| Document Number | 2017-3556 |
| Book / Page | 002017 / 003556 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 868 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 388 POST RD WESTERLY RI 028912633, WESTERLY, RI 02891-2633 |
| Document Number | 2017-3558 |
|---|---|
| Date | Mar 1, 2017 |
| Book Page | 002017/003558 |
| Instrument | 869 |
| Name | WASHINGTON TR CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
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 | $6,128.00 (+2.34%) | $861,900 (+38.46%) Land $670,100 Building $191,800 |
| 2023 | $5,988.00 (+0.62%) | $622,500 (-) Land $478,300 Building $144,200 |
| 2022 | $5,951.00 | $622,500 Land $478,300 Building $144,200 |
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 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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