Westerly Town property record for 240 Watch Hill Rd, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,832 sqft · built 1855 |
| Lot Size | 0.518 acres (22,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,320,000 (Sep 2015) |
| Tax Bill | $21,614 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:179 B:54 |
| Primary APN | WEST M:179 B:54 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,832 sqft Living Area |
| Gross Area | 4,835 sqft |
| Year Built | Built 1855 |
|---|---|
| Effective Year Built | Effective 1855 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 22,560 sqft (0.518 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 12069768 |
|---|---|
| Street Address | 240 WATCH HILL RD |
| City | WESTERLY |
| State | RI |
| Zip | 02891-5019 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 54 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 51000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Watch Hill Historic District listed 1985 · 179 contributing resources · NRIS 85001948 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
240 Watch Hill Rd, a residential property, is owned by an individual who bought it in September 2015.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 22 SAGAMORE RD, 1D, BRONXVILLE, NY 10708-1528 |
| Owner Type | Individual |
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 |
|---|---|
| Jun 4, 2025 | Deed of Trust, Mortgage · Line of Credit THE WASHINGTON TRUST CO OF WESTERLY |
| Sep 20, 2022 | Deed of Trust, Mortgage · ARM MORGAN STANLEY CREDIT CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2015 · Amount on File |
| Deed Sale | Sep 15, 2015 · Amount on File |
| Deed Document Number | 20153956 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 240 WATCH HILL RD, WESTERLY, RI 02891-5019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02025-7225 |
|---|---|
| Date | Jun 4, 2025 |
| Book Page | 2025/7225 |
| Instrument | 2025-1726 |
| Name | THE WASHINGTON TRUST CO OF WESTERLY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 240 WATCH HILL RD, WESTERLY, RI 02891-5019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 2022-16475 |
|---|---|
| Date | Sep 20, 2022 |
| Book Page | 2022/16475 |
| Instrument | 2022-3984 |
| Name | MORGAN STANLEY CREDIT CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.3% |
| Type Change Date | Oct 1, 2032 |
| Index | Other |
| Margin | 3 |
The 2025 property tax bill for 240 Watch Hill Rd was $21,614.
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 | $21,614.00 | $3,040,000 Land $2,005,000 Building $1,035,000 | $3,441,330 |
| 2023 | $21,388.00 (+40.92%) | $2,223,300 (+40.04%) Land $1,370,700 Building $852,600 | |
| 2022 | $15,177.00 | $1,587,600 Land $1,256,500 Building $331,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 240 Watch Hill Rd in Zone X, an area of minimal flood risk, though there have been 157 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 456 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 506 units insured incl. 50 condo units |
| Nearby Flood Claims | 157 (1978–2024) |
| Claims Outside the SFHA | 22 of 157 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 240 Watch Hill Rd 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 | Direct burnable vegetation |
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 133 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 · Fixed Wireless in parts of the area | 980 / 880 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures