19 Cove Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 19 Cove Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,490 sqft · built 1993
Lot Size	0.26 acres (11,307 sqft)
Owner	Individual Name on Record
Last Sale	$465,000 (Sep 2018)
Tax Bill	$5,510 (2025)
Deeds & Mortgages	Apr 2020 Refinance Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`WEST M:143 B:98`

Property Details

APN / Parcel Number

Primary APN	`WEST M:143 B:98`
Alternative APNs	`M:143 B:98 L` `19352850`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,490 sqft Living Area
Gross Area	3,504 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,307 sqft (0.26 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	19352850
Street Address	19 COVE RD
City	WESTERLY
State	RI
Zip	02891-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	98
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2035
Census Tract	51000

Owner

Source: Westerly Town records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	386 AUGUSTA DR, ORANGE, CT 06477-2716
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CF BANK NA
Sep 21, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Dec 1, 2017	Executor's Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Sep 7, 1993 · Amount on Record
Deed Document Number	20183960
Transfer Doc	5294
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	19 COVE RD, WESTERLY, RI 02891-4407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020-7144
Date	Apr 22, 2020
Book Page	2020/7144
Instrument	2020-1657

Lender

Name	CF BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 21, 2018
Property Address	19 COVE RD, WESTERLY, RI 02891-4407
Document Number	2018-5749
Book / Page	002018 / 015749
Instrument Date	Sep 17, 2018
Instrument	3960
Transaction Type	Transfer
Record Updated	Oct 9, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	386 AUGUSTA DR ORANGE CT 064772716, ORANGE, CT 06477-2716

Mortgage

Document Number	2018-5754
Date	Sep 21, 2018
Book Page	002018/015754
Instrument	3961

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

December 2017: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 1, 2017
Property Address	19 COVE RD, WESTERLY, RI 02891-4407
Document Number	2017-1388
Book / Page	002017 / 021388
Instrument Date	Nov 14, 2017
Instrument	5294
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67 OLD CIDER MILL RD BRISTOL CT 060102349, BRISTOL, CT 06010-2349

Tax Assessment & Valuation

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
2025	$5,510.00 (+0.44%)	$774,900 (+35.88%) Land $429,000 Building $345,900
2023	$5,486.00 (+0.62%)	$570,300 (-) Land $306,600 Building $263,700
2022	$5,452.00	$570,300 Land $306,600 Building $263,700

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

Flood

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 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	Hurricane Sandy, Oct 2012 · 14 claims Severe Storms And Flooding, Apr 2010 · 8 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

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.

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 258 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

Cell Coverage

5G (outdoors only) and 4G LTE

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