191 Watch Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 191 Watch Hill Rd, Westerly, RI 02891 · Last verified June 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 1,854 sqft · built 1957
Lot Size	2.15 acres (93,654 sqft)
Owner	Individual Name on File
Tax Bill	$10,004 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`M:173 B:8-A L`

Property Details

APN / Parcel Number

Primary APN	`M:173 B:8-A L`
Alternative APNs	`WEST M:173 B:8 L:A` `24550555`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	4,944 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	93,654 sqft (2.15 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	24550555
Street Address	191 WATCH HILL RD
City	WESTERLY
State	RI
Zip	02891-5031
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	8
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1096
Census Tract	51000

Owner

Source: Westerly Town records · APN M:173 B:8-A L

Assessment roll updated June 22, 2026 · Last verified June 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 File
Mailing Address	1041 NEW BRITAIN AVE, WEST HARTFORD, CT 06110-2403
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 28, 2013
Deed Sale	Oct 28, 2013
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	191 WATCH HILL RD, WESTERLY, RI 02891-5031
Document Number	2017-637
Book / Page	002017 / 000637
Instrument Date	Jan 06, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 PROSPECT AVE HARTFORD CT 061051124, HARTFORD, CT 06105-1124

Mortgage

Document Number	2017-637
Date	Jan 10, 2017
Book Page	002017/000637
Instrument	143

Lender

Name	WASHINGTON TR CO

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 09, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$10,004.00 (+12.48%)	$1,407,000 (+52.19%) Land $973,200 Building $433,800
2023	$8,894.00 (+0.63%)	$924,500 (-) Land $567,800 Building $356,700
2022	$8,838.00	$924,500 Land $567,800 Building $356,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090510001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 456 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	506 units insured 50 under condo master policies
Nearby Flood Claims	157 (1978–2024)
Claims Outside the SFHA	22 of 157
Most Recent Claim	Jan 2024, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Watch Hill Historic District listed 1985 · 179 contributing resources · NRIS 85001948

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 57 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 35
Verizon	Fiber	980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.