20 Raymond St, Westerly, RI 02891 Property Records

Westerly Town property record for 20 Raymond St, Westerly, RI 02891

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,664 sqft · built 1987
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Tax Bill	$3,148 (2025)
Deeds & Mortgages	May 2023 Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`WEST M:78 B:10`

Property Details

APN / Parcel Number

Primary APN	`WEST M:78 B:10`
Alternative APNs	`M:078 B:10 L` `1075200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	2,968 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	1075200
Street Address	20 RAYMOND ST
City	WESTERLY
State	RI
Zip	02891-2424
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	10
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2054
Census Tract	50901

Owner

Source: Westerly Town records, as of October 20, 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	20 RAYMOND ST, WESTERLY, RI 02891-2424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed, Transfer · ARM CHARTER OAK FCU
Sep 29, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 16, 2021
Transfer Doc	2021-24480
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTERLY RI
Recording Date	May 31, 2023
Property Address	20 RAYMOND ST, WESTERLY, RI 02891-2424
Document Number	02023-6750
Book / Page	2023 / 6750
Instrument Date	May 5, 2023
Instrument	2023-1697
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RAYMOND ST, WESTERLY, RI 02891-2424

Mortgage

Document Number	02023-6753
Date	May 31, 2023
Book Page	2023/6753
Instrument	2023-1698

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Jun 1, 2033
Index	1-Year CMT

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 29, 2021
Property Address	20 RAYMOND ST, WESTERLY, RI 02891-2424
Document Number	2021-24480
Book / Page	2021 / 24480
Instrument Date	Sep 16, 2021
Instrument	2021-5473
Transaction Type	Transfer
Record Updated	Oct 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 MORIAH DR, WESTERLY, RI 02891-1006

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	$3,148.00 (-1.32%)	$404,600 (+28.85%) Land $172,900 Building $231,700	$459,263
2023	$3,190.00 (+0.6%)	$314,000 (-) Land $123,500 Building $190,500
2022	$3,171.00	$314,000 Land $123,500 Building $190,500

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

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	8 in force
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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	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 329 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
Starlink Satellite	280 / 30

May also be available: AT&T.

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