18 Nichols Ln, Westerly, RI 02891 Property Records

Westerly Town property record for 18 Nichols Ln, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,531 sqft · built 1988
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$306,000 (Aug 2019)
Tax Bill	$3,251 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:018 B:103-A L`

Property Details

APN / Parcel Number

Primary APN	`M:018 B:103-A L`
Alternative APNs	`WEST M:18 B:103 L:A` `12211175`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,531 sqft Living Area
Gross Area	2,817 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	12211175
Street Address	18 NICHOLS LN
City	WESTERLY
State	RI
Zip	02891-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	103
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3004
Census Tract	50901

Owner

18 Nichols Ln is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	18 NICHOLS LN, WESTERLY, RI 02891-1307
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage RHODE ISLAND CREDIT UNION
Sep 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Aug 14, 2019	Warranty Deed, Transfer DITECH FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Prior Sale	Sep 30, 2015 · Amount on File
Deed Document Number	20193332
Deed Book / Page	2019 / 12981
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Jul 23, 2026
Property Address	18 NICHOLS LN, WESTERLY, RI 02891-1307
Document Number	0000002499
Book / Page	2026 / 11183
Instrument Date	Jul 15, 2026
Instrument	20262499
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 NICHOLS LN, WESTERLY, RI 02891-1307

Mortgage

Document Number	0000002499,
Date	Jul 23, 2026
Book Page	2026/11183
Instrument	20262499

Lender

Name	RHODE ISLAND CREDIT UNION

Agreement

Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate	6.47%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	18 NICHOLS LN, WESTERLY, RI 02891-1307
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023-11826
Date	Sep 7, 2023
Book Page	2023/11826
Instrument	2023-2932

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2048

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Aug 14, 2019
Property Address	18 NICHOLS LN, WESTERLY, RI 02891-1307
Document Number	2019-2981
Book / Page	002019 / 012981
Instrument Date	Aug 14, 2019
Instrument	3332
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 NICHOLS LN WESTERLY RI 028911307, WESTERLY, RI 02891-1307

Mortgage

Document Number	2019-2984
Date	Aug 14, 2019
Book Page	002019/012984
Instrument	3333

Lender

Name	DITECH FIN'L

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 18 Nichols Ln was $3,251.

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	Assessed Market Value
2025	$3,251.00	$417,900 Land $153,000 Building $264,900	$507,602
2023	$3,377.00 (+0.6%)	$332,400 (-) Land $109,300 Building $223,100
2022	$3,357.00	$332,400 Land $109,300 Building $223,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 Nichols Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	3 in force
Nearby Flood Claims	2 (2010)
Most Recent Claim	Apr 2010 · river or lake flooding

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

Wildfire risk around 18 Nichols Ln is low, with a 0.01% annual chance of wildfire.

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.

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 200 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

May also be available: T-Mobile.

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