21 Watch Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 21 Watch Hill Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 3 ba · 2,650 sqft · built 1997
Lot Size	0.729 acres (31,742 sqft)
Owner	2 Company Names on Record
Last Sale	$1,265,000 (Mar 2023)
Tax Bill	$8,749 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:117 B:3`

Property Details

APN / Parcel Number

Primary APN	`WEST M:117 B:3`
Alternative APNs	`M:117 B:3 L` `22014450`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,650 sqft Living Area
Gross Area	6,168 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,742 sqft (0.729 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	22014450
Street Address	21 WATCH HILL RD
City	WESTERLY
State	RI
Zip	02891-3249
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	3
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2041
Census Tract	50802

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	2 Company Names on Record
Mailing Address	28 SANDPIPER CRES, MILFORD, CT 06460-7903
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 22, 2024	Quit Claim Deed, Transfer Quitclaim
Mar 31, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage THE WASHINGTON TRUST CO OF WESTERLY
Jul 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Prior Sale	Jul 3, 2018 · Amount on Record
Deed Document Number	2023975
Deed Book / Page	2023 / 3757
Last Transfer Date	Apr 22, 2024
Transfer Doc	02024-9099
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Apr 1, 2026
Property Address	21 WATCH HILL RD, WESTERLY, RI 02891-3249
Document Number	02026-4452
Book / Page	2026 / 4452
Instrument Date	Mar 20, 2026
Instrument	20261000
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001000,
Date	Apr 1, 2026
Book Page	2026/4452
Instrument	20261000

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate	6.01%
Max Rate	-1%

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 22, 2024
Property Address	21 WATCH HILL RD, WESTERLY, RI 02891-3249
Document Number	02024-9099
Book / Page	2024 / 9099
Instrument Date	Apr 22, 2024
Instrument	2024-2342
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SANDPIPER CRES, MILFORD, CT 06460-7903

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 31, 2023
Property Address	21 WATCH HILL RD, WESTERLY, RI 02891-3249
Document Number	02023-3757
Book / Page	2023 / 3757
Instrument Date	Mar 31, 2023
Instrument	2023-975
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WATCH HILL RD, WESTERLY, RI 02891-3249

Mortgage

Document Number	0002023976
Date	Mar 31, 2023
Instrument	2023-976

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 3, 2018
Property Address	21 WATCH HILL RD, WESTERLY, RI 02891-3249
Document Number	2018-1205
Book / Page	002018 / 011205
Instrument Date	Jun 30, 2018
Instrument	2786
Transaction Type	Transfer
Record Updated	Jul 17, 2018

Transaction

Amount	Amount Recorded
Tax	$699.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 WATCH HILL RD WESTERLY RI 028913249, WESTERLY, RI 02891-3249

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	$8,749.00 (-2.18%)	$1,124,600 (+27.75%) Land $392,900 Building $731,700	$1,251,419
2023	$8,944.00 (+5.91%)	$880,300 (+5.29%) Land $280,900 Building $599,400
2022	$8,445.00	$836,100 Land $280,900 Building $555,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of Rhode Island
Wildfire Likelihood	Under 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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