186 Potter Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 186 Potter Hill Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,560 sqft · built 1760
Lot Size	0.433 acres (18,865 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2024)
Tax Bill	$2,940 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:8 B:15`

Property Details

APN / Parcel Number

Primary APN	`WEST M:8 B:15`
Alternative APNs	`M:008 B:15 L` `2129500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	4,172 sqft

Exterior

Year Built	Built 1760
Effective Year Built	Effective 1760
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,865 sqft (0.433 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2129500
Street Address	186 POTTER HILL RD
City	WESTERLY
State	RI
Zip	02891-1162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	15
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1003
Census Tract	50901

Owner

186 Potter Hill Rd is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	186 POTTER HILL RD, WESTERLY, RI 02891-1162
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Aug 14, 2025	Deed of Trust, Mortgage · Line of Credit WESTERLY COMMUNITY CU
Apr 29, 2024	Executor's Deed, Transfer · Stand-Alone First Mortgage SEACOAST MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2024 · Amount on File
Deed Sale	Apr 29, 2024 · Amount on File
Deed Document Number	20241275
Deed Book / Page	2024 / 4812
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	186 POTTER HILL RD, WESTERLY, RI 02891-1129
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025-11128
Date	Aug 14, 2025
Book Page	2025/11128
Instrument	2025-2650

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2050

April 2024: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 29, 2024
Property Address	186 POTTER HILL RD, WESTERLY, RI 02891-1129
Document Number	02024-4812
Book / Page	2024 / 4812
Instrument Date	Apr 29, 2024
Instrument	2024-1275
Transaction Type	Transfer
Record Updated	May 9, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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

Mortgage

Document Number	0020241276
Date	Apr 29, 2024
Instrument	2024-1276

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 186 Potter Hill Rd was $2,940.

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	$2,940.00	$413,500 Land $167,200 Building $246,300	$491,496
2023	$2,678.00 (+0.6%)	$278,400 (-) Land $119,400 Building $159,000
2022	$2,662.00	$278,400 Land $119,400 Building $159,000

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

Flood

FEMA maps place 186 Potter Hill Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 6 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

Wildfire risk around 186 Potter Hill Rd 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	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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Potter Hill Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures