Westerly Town property record for 25 Top St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,396 sqft · built 2017 |
| Lot Size | 0.218 acres (9,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (Oct 2019) |
| Tax Bill | $3,853 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:58 B:16 |
| Primary APN | WEST M:58 B:16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,396 sqft Living Area |
| Gross Area | 3,056 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,485 sqft (0.218 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 9009572 |
|---|---|
| Street Address | 25 TOP ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 16 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 50801 |
Source: Westerly Town records, as of June 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 14040 PANAY WAY, MARINA DEL REY, CA 90292-6697 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2026 | Deed of Trust, Mortgage · Line of Credit THE WASHINGTON TRUST CO OF WESTERLY |
| Oct 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Apr 30, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2019 · Amount on Record |
| Deed Sale | Oct 25, 2019 · Amount on Record |
| Prior Sale | Apr 30, 2019 · Amount on Record |
| Deed Document Number | 20194602 |
| Deed Book / Page | 2019 / 18063 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 25 TOP ST, WESTERLY, RI 02891-1905 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002026-447 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | 2026/447 |
| Instrument | 2026-97 |
| Name | THE WASHINGTON TRUST CO OF WESTERLY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Oct 25, 2019 |
| Property Address | 25 TOP ST, WESTERLY, RI 02891-1905 |
| Document Number | 2019-8063 |
| Book / Page | 002019 / 018063 |
| Instrument Date | Oct 23, 2019 |
| Instrument | 4602 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 TOP ST WESTERLY RI 028911905, WESTERLY, RI 02891-1905 |
| Document Number | 2019-8066 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 002019/018066 |
| Instrument | 4603 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 24, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 30, 2019 |
| Property Address | 25 TOP ST, WESTERLY, RI 02891-1905 |
| Document Number | 2019-6675 |
| Book / Page | 002019 / 006675 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 1734 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $329.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 TOP ST WESTERLY RI 02891, WESTERLY, RI 02891 |
| Document Number | 2019-6681 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 002019/006681 |
| Instrument | 1736 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2049 |
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 |
|---|---|---|
| 2025 | $3,853.00 (-7.16%) | $495,300 (+21.25%) Land $160,400 Building $334,900 |
| 2023 | $4,150.00 (+0.58%) | $408,500 (-) Land $114,900 Building $293,600 |
| 2022 | $4,126.00 | $408,500 Land $114,900 Building $293,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 442 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 |
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