19 Surrey Dr, Westerly, RI 02891 Property Records

Westerly Town property record for 19 Surrey Dr, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,128 sqft · built 1998
Lot Size	0.463 acres (20,160 sqft)
Owner	Individual Name on Record
Last Sale	$311,500 (Jul 2012)
Tax Bill	$4,759 (2025)
Deeds & Mortgages	Oct 2022 Refinance Sep 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:019 B:49-F L`

Property Details

APN / Parcel Number

Primary APN	`M:019 B:49-F L`
Alternative APNs	`WEST M:19 B:49 L:F` `7088712`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	4,700 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,160 sqft (0.463 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7088712
Street Address	19 SURREY DR
City	WESTERLY
State	RI
Zip	02891-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	49
Legal Lot Number	F
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3005
Census Tract	50901

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	19 SURREY DR, WESTERLY, RI 02891-1302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU
Sep 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU
May 17, 2017	Deed of Trust, Mortgage WESTERLY COMMUNITY CU
Sep 11, 2020	Deed of Trust, Mortgage · Conventional with PMI MUTUAL/OMAHA MTG LLC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional with PMI BERKSHIRE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2012 · Amount on Record
Deed Sale	Jul 3, 2012 · Amount on Record
Prior Sale	Jan 25, 1999 · Amount on Record
Deed Book / Page	1924 / 896
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	19 SURREY DR, WESTERLY, RI 02891-1302
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-18560
Date	Oct 31, 2022
Book Page	2022/18560
Instrument	2022-4505

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	19 SURREY DR, WESTERLY, RI 02891-1302
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-23384
Date	Sep 16, 2021
Book Page	2021/23384
Instrument	2021-5229

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2046

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	19 SURREY DR, WESTERLY, RI 02891-1302
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017-8362
Date	May 17, 2017
Book Page	2017/8362
Instrument	2066

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 1, 2037

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	19 SURREY DR, WESTERLY, RI 02891-1302
Document Number	2020-2185
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19 SURREY DR WESTERLY RI 028911302, WESTERLY, RI 02891-1302

Mortgage

Document Number	2020-2185
Date	Oct 19, 2020
Book Page	002020/022185
Instrument	5059

Lender

Name	MUTUAL/OMAHA MTG LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	19 SURREY DR, WESTERLY, RI 02891-1302
Document Number	2019-8254
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 SURREY DR WESTERLY RI 028911302, WESTERLY, RI 02891-1302

Mortgage

Document Number	2019-8254
Date	Oct 30, 2019
Book Page	002019/018254
Instrument	4648

Lender

Name	BERKSHIRE BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2049

Interest

Rate Type	Adjustable Rate

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	$4,759.00 (+7.02%)	$611,700 (+39.75%) Land $178,300 Building $433,400
2023	$4,447.00 (+0.59%)	$437,700 (-) Land $127,400 Building $310,300
2022	$4,421.00	$437,700 Land $127,400 Building $310,300

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 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

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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