Westerly Town property record for 189 Shore Rd, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,041 sqft · built 1952 |
| Lot Size | 0.334 acres (14,550 sqft) |
| Owner | Individual Name on File |
| Last Sale | $248,000 (Oct 2016) |
| Tax Bill | $3,440 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:141 B:36 |
| Primary APN | WEST M:141 B:36 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,041 sqft Living Area |
| Gross Area | 2,167 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,550 sqft (0.334 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2209195 |
|---|---|
| Street Address | 189 SHORE RD |
| City | WESTERLY |
| State | RI |
| Zip | 02891-3614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 36 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2070 |
| Census Tract | 51000 |
189 Shore Rd is owned and occupied by an individual who bought it in October 2016.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 189 SHORE RD, WESTERLY, RI 02891-3614 |
| 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.
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES |
| May 13, 2021 | Deed of Trust, Mortgage · Balloon Mortgage WESTERLY COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 2016 · Amount on File |
| Deed Sale | Oct 14, 2016 · Amount on File |
| Prior Sale | Apr 18, 2005 · Amount on File |
| Deed Document Number | 20164471 |
| Transfer Doc | 2014-8218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 13, 2026 |
| Property Address | 189 SHORE RD, WESTERLY, RI 02891-3614 |
| Document Number | 0000002360 |
| Book / Page | 2026 / 10746 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20262360 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 189 SHORE RD, WESTERLY, RI 02891-3614 |
| Document Number | 0000002360, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 2026/10746 |
| Instrument | 20262360 |
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 189 SHORE RD, WESTERLY, RI 02891-3614 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021-13247 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 2021/13247 |
| Instrument | 2021-2886 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2046 |
The 2025 property tax bill for 189 Shore Rd was $3,440.
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,440.00 | $483,800 Land $256,900 Building $226,900 | $609,113 |
| 2023 | $3,151.00 (+0.64%) | $327,500 (-) Land $183,500 Building $144,000 | |
| 2022 | $3,131.00 | $327,500 Land $183,500 Building $144,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 189 Shore Rd in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1985.
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 |
| Flood Insurance Cost | Premium on File median of 140 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 143 units insured incl. 3 condo units |
| Nearby Flood Claims | 28 (1985–2021) |
| Claims Outside the SFHA | 8 of 28 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| 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.
Wildfire risk around 189 Shore Rd is low, with less than 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 98% of the US · lower than 94% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 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.
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 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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