Westerly Town property record for 23 S Joseph St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,104 sqft · built 1972 |
| Lot Size | 0.201 acres (8,762 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Apr 2019) |
| Tax Bill | $2,791 (2025) |
| Deeds & Mortgages | Dec 2023 Refinance Sep 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:037 B:47-A L |
| Primary APN | M:037 B:47-A L |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 2,400 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,762 sqft (0.201 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 20134450 |
|---|---|
| Street Address | 23 S JOSEPH ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 47 |
| Legal Lot Number | A |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 50801 |
23 S Joseph St is owned and occupied by two individuals who bought it in April 2019.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 S JOSEPH ST, WESTERLY, RI 02891-1232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CHELSEA GROTON BANK |
| Sep 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK |
| Sep 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHELSEA GROTON BK |
| Apr 30, 2019 | Warranty Deed, Transfer · Conventional Mortgage SAVINGS INSTITUTE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2019 · Amount on File |
| Deed Sale | Apr 30, 2019 · Amount on File |
| Prior Sale | Mar 18, 2015 · Amount on File |
| Deed Document Number | 20191725 |
| Deed Book / Page | 2019 / 6616 |
| Transfer Doc | 1935-473 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 23 S JOSEPH ST, WESTERLY, RI 02891-1232 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023-16699 |
|---|---|
| Date | Dec 18, 2023 |
| Book Page | 2023/16699 |
| Instrument | 2023-4177 |
| Name | CHELSEA GROTON BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 23 S JOSEPH ST, WESTERLY, RI 02891-1232 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 2021-22739 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 2021/22739 |
| Instrument | 2021-5075 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 23 S JOSEPH ST, WESTERLY, RI 02891-1232 |
| Document Number | 2020-9012 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 23 S JOSEPH ST WESTERLY RI 028911232, WESTERLY, RI 02891-1232 |
| Document Number | 2020-9012 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 002020/019012 |
| Instrument | 4360 |
| Name | CHELSEA GROTON BK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 15, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 30, 2019 |
| Property Address | 23 S JOSEPH ST, WESTERLY, RI 02891-1232 |
| Document Number | 2019-6616 |
| Book / Page | 002019 / 006616 |
| Instrument Date | Apr 28, 2019 |
| Instrument | 1725 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 S JOSEPH ST WESTERLY RI 028911232, WESTERLY, RI 02891-1232 |
| Document Number | 2019-6620 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 002019/006620 |
| Instrument | 1727 |
| Name | SAVINGS INSTITUTE |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 29, 2039 |
The 2025 property tax bill for 23 S Joseph St was $2,791.
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,791.00 | $358,700 Land $146,400 Building $212,300 | $404,527 |
| 2023 | $2,658.00 (+0.61%) | $261,600 (-) Land $104,500 Building $157,100 | |
| 2022 | $2,642.00 | $261,600 Land $104,500 Building $157,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 S Joseph St in Zone X, an area of minimal flood risk.
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 | 1 in force |
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.
The area around 23 S Joseph St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 263 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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