Westerly Town property record for 21 Gardner Dr, Westerly, RI 02891 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,854 sqft · built 1989 |
| Lot Size | 0.484 acres (21,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Aug 2019) |
| Tax Bill | $4,028 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:68 B:97 |
| Primary APN | WEST M:68 B:97 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,854 sqft Living Area |
| Gross Area | 3,140 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,098 sqft (0.484 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 19100351 |
|---|---|
| Street Address | 21 GARDNER DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-2528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 97 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 50901 |
Source: Westerly Town records · APN WEST M:68 B:97
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 | 23 GARDNER DR, WESTERLY, RI 02891-2528 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · ARM WESTERLY COMMUNITY CU |
| Aug 28, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 28, 2019 · Amount on Record |
| Deed Sale | Aug 28, 2019 · Amount on Record |
| Deed Document Number | 20193571 |
| Deed Book / Page | 2019 / 14032 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 21 GARDNER DR, WESTERLY, RI 02891-2528 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022-16869 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 2022/16869 |
| Instrument | 2022-4087 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.74% |
| Type Change Date | Oct 01, 2032 |
| Index | 1-Year CMT |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 28, 2019 |
| Property Address | 21 GARDNER DR, WESTERLY, RI 02891-2528 |
| Document Number | 2019-4032 |
| Book / Page | 002019 / 014032 |
| Instrument Date | Aug 19, 2019 |
| Instrument | 3571 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 GARDNER DR WESTERLY RI 028912528, WESTERLY, RI 02891-2528 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,028.00 (+1.38%) | $517,800 (+32.43%) Land $174,700 Building $343,100 |
| 2023 | $3,973.00 (+0.61%) | $391,000 (-) Land $125,300 Building $265,700 |
| 2022 | $3,949.00 | $391,000 Land $125,300 Building $265,700 |
Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090509012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 8 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 in force 5 of 8 on primary residences |
| Nearby Flood Claims | 4 (2010) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Mar 2010, rainfall accumulation, Severe Storms And Flooding |
| Flood Events |
|
| Wildfire Risk | Low above 20% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures