25 Hubbard St, Westerly, RI 02891 Property Records

Westerly Town property record for 25 Hubbard St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,476 sqft · built 1960
Lot Size	0.714 acres (31,117 sqft)
Owner	Individual Name on File
Tax Bill	$4,254 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:107 B:2`

Property Details

APN / Parcel Number

Primary APN	`WEST M:107 B:2`
Alternative APNs	`M:107 B:2 L` `7035005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
Gross Area	4,294 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,117 sqft (0.714 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7035005
Street Address	25 HUBBARD ST
City	WESTERLY
State	RI
Zip	02891-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2025
Census Tract	50802

Owner

25 Hubbard St is owned and occupied by an individual.

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

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

Owner of Record	Individual Name on File
Mailing Address	25 HUBBARD ST, WESTERLY, RI 02891-3207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit WESTERLY COMMUNITY CREDIT UNION
Mar 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Mar 18, 2021	Executor's Deed, Transfer · Stand-Alone Refinance EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Aug 31, 2026
Property Address	25 HUBBARD ST, WESTERLY, RI 02891-3207
Document Number	0000002957
Book / Page	2026 / 13370
Instrument Date	Aug 24, 2026
Instrument	20262957
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 HUBBARD ST, WESTERLY, RI 02891-3207

Mortgage

Document Number	0000002957,
Date	Aug 31, 2026
Book Page	2026/13370
Instrument	20262957

Lender

Name	WESTERLY COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2051

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	25 HUBBARD ST, WESTERLY, RI 02891-3207
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021-7206
Date	Mar 18, 2021
Book Page	2021/7206
Instrument	2021-1599

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 18, 2021
Property Address	25 HUBBARD ST, WESTERLY, RI 02891-3207
Document Number	02021-7204
Book / Page	2021 / 7204
Instrument Date	Mar 12, 2021
Instrument	2021-1598
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	02021-7206
Date	Mar 18, 2021
Book Page	2021/7206
Instrument	2021-1599

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

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	$4,254.00 (-0.16%)	$546,800 (+30.38%) Land $219,900 Building $326,900	$605,420
2023	$4,261.00 (+0.59%)	$419,400 (-) Land $158,700 Building $260,700
2022	$4,236.00	$419,400 Land $158,700 Building $260,700

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

Flood

FEMA maps place 25 Hubbard St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1991.

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 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

Wildfire risk around 25 Hubbard St is low, with less than 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 94% of the US · lower than 80% 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 331 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.

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