23 Franklin St, Unit 15, Westerly, RI 02891 Property Records

Westerly Town property record for 23 Franklin St, Unit 15, Westerly, RI 02891

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,964 sqft · built 2008
Owner	Trust Name on File
Last Sale	$340,000 (Feb 2010)
Tax Bill	$4,205 (2025)
Deeds & Mortgages	Jan 2022 Refinance Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:087 B:142 L:15`

Property Details

APN / Parcel Number

Primary APN	`M:087 B:142 L:15`
Alternative APNs	`WEST M:87 B:142 L:15` `8058639`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	20 Units
Stories	2 Stories
Building Area	1,964 sqft Living Area
Gross Area	2,346 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8058639
Street Address	23 FRANKLIN ST, 15
City	WESTERLY
State	RI
Zip	02891-3170
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	142
Legal Lot Number	15
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1031
Census Tract	50802

Owner

23 Franklin St, Unit 15 is owner-occupied and held in a trust since February 2010.

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

Owner of Record	Trust Name on File
Mailing Address	23 FRANKLIN ST, 15, WESTERLY, RI 02891-3170
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2010 · Amount on File
Deed Sale	Feb 12, 2010 · Amount on File
Deed Book / Page	1859 / 597
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	23 FRANKLIN ST UNIT 15, 15, WESTERLY, RI 02891-3170
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-1486
Date	Jan 25, 2022
Book Page	2022/1486
Instrument	2022-363

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	23 FRANKLIN ST UNIT 15, 15, WESTERLY, RI 02891-3170
Document Number	2020-4074
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 FRANKLIN ST #15 WESTERLY RI 028913170, 15, WESTERLY, RI 02891-3170

Mortgage

Document Number	2020-4074
Date	Jul 17, 2020
Book Page	002020/014074
Instrument	3258

Lender

Name	AMERISAVE MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 23 Franklin St, Unit 15 was $4,205.

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	$4,205.00	$540,500 Building $540,500	$598,499
2023	$3,471.00 (+0.61%)	$341,600 (-) Building $341,600
2022	$3,450.00	$341,600 Building $341,600

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

Flood

FEMA maps place 23 Franklin St, Unit 15 in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1981.

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	9 in force
Nearby Flood Claims	12 (1981–2012)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Bob, Aug 1991 · 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

Wildfire risk around 23 Franklin St, Unit 15 is low, with 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 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 170 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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