20 Lanphere Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 20 Lanphere Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,068 sqft · built 1948
Lot Size	0.564 acres (24,583 sqft)
Owner	Individual Name on File
Tax Bill	$3,498 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:96 B:29`

Property Details

APN / Parcel Number

Primary APN	`WEST M:96 B:29`
Alternative APNs	`M:096 B:29 L` `15015208`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,068 sqft Living Area
Gross Area	4,512 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,583 sqft (0.564 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	15015208
Street Address	20 LANPHERE RD
City	WESTERLY
State	RI
Zip	02891-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	29
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2027
Census Tract	50802

Owner

20 Lanphere Rd is owned and occupied by an individual.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 17, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Dec 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BROKER SOLUTIONS INC
Oct 13, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Sep 10, 2019	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK
Nov 8, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Sep 12, 2017	Executor's Deed, Transfer EASTERN BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025-16799
Date	Nov 18, 2025
Book Page	2025/16799
Instrument	2025-4046

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-12093
Date	Jul 1, 2022
Book Page	2022/12093
Instrument	2022-2857

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-5372
Date	Mar 17, 2022
Book Page	2022/5372
Instrument	2022-1250

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-31504
Date	Dec 15, 2021
Book Page	2021/31504
Instrument	2021-6970

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Document Number	2020-3838
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LANPHERE RD WESTERLY RI 028912807, WESTERLY, RI 02891-2807

Mortgage

Document Number	2020-3838
Date	Nov 4, 2020
Book Page	002020/023838
Instrument	5450

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 3, 2045

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Document Number	2019-5298
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LANPHERE RD WESTERLY RI 028912807, WESTERLY, RI 02891-2807

Mortgage

Document Number	2019-5298
Date	Sep 16, 2019
Book Page	002019/015298
Instrument	3873

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Sep 15, 2034

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Document Number	2018-182
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LANPHERE RD WESTERLY RI 028912807, WESTERLY, RI 02891-2807

Mortgage

Document Number	2018-182
Date	Nov 28, 2018
Book Page	002018/020182
Instrument	5015

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2017: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 12, 2017
Property Address	20 LANPHERE RD, WESTERLY, RI 02891-2807
Document Number	2017-6185
Book / Page	002017 / 016185
Instrument Date	Sep 8, 2017
Instrument	3974
Transaction Type	Transfer
Record Updated	Sep 27, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 LANPHERE RD WESTERLY RI 028912807, WESTERLY, RI 02891-2807

Mortgage

Document Number	2017-6187
Date	Sep 12, 2017
Book Page	002017/016187
Instrument	3975

Lender

Name	EASTERN BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2047

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	Assessed Market Value
2025	$3,498.00 (+7.76%)	$492,000 (+45.82%) Land $183,600 Building $308,400	$597,176
2023	$3,246.00 (+0.62%)	$337,400 (-) Land $131,900 Building $205,500
2022	$3,226.00	$337,400 Land $131,900 Building $205,500

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

Flood

FEMA maps place 20 Lanphere Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1991.

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 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (1991–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Severe Storms And Flooding, Mar 2010 · 5 claims Hurricane Bob, Aug 1991 · 2 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 20 Lanphere 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 95% of the US · lower than 85% of Rhode Island
Wildfire Likelihood	Under 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 198 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

May also be available: Breezeline, Frontier, T-Mobile, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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