28 Watch Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 28 Watch Hill Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,733 sqft · built 1970
Lot Size	2.49 acres (108,844 sqft)
Owner	2 Individual Names on File
Last Sale	$477,000 (Aug 2020)
Tax Bill	$5,728 (2025)
Deeds & Mortgages	Nov 2021 Refinance Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`WEST M:117 B:140`

Property Details

APN / Parcel Number

Primary APN	`WEST M:117 B:140`
Alternative APNs	`M:117 B:140 L` `19213010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,733 sqft Living Area
Gross Area	5,798 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	108,844 sqft (2.49 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19213010
Street Address	28 WATCH HILL RD
City	WESTERLY
State	RI
Zip	02891-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	140
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2043
Census Tract	50802

Owner

28 Watch Hill Rd is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 WATCH HILL RD, WESTERLY, RI 02891-3501
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SEACOAST MORTGAGE CORPORATION
Aug 7, 2020	Trustee's Deed, Transfer · Conventional with PMI SEACOAST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2020 · Amount on File
Deed Sale	Aug 7, 2020 · Amount on File
Deed Document Number	20203648
Deed Book / Page	2020 / 15774
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	28 WATCH HILL RD, WESTERLY, RI 02891-3501
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-29790
Date	Nov 29, 2021
Book Page	2021/29790
Instrument	2021-6598

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

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

August 2020: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Aug 7, 2020
Property Address	28 WATCH HILL RD, WESTERLY, RI 02891-3501
Document Number	2020-5774
Book / Page	002020 / 015774
Instrument Date	Aug 6, 2020
Instrument	3648
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$477.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 WATCH HILL RD WESTERLY RI 028913501, WESTERLY, RI 02891-3501

Mortgage

Document Number	2020-5777
Date	Aug 7, 2020
Book Page	002020/015777
Instrument	3649

Lender

Name	SEACOAST MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 28 Watch Hill Rd was $5,728.

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	$5,728.00	$736,200 Land $339,300 Building $396,900	$932,393
2023	$5,829.00 (+0.6%)	$573,700 (-) Land $251,800 Building $321,900
2022	$5,794.00	$573,700 Land $251,800 Building $321,900

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

Flood

FEMA maps place 28 Watch Hill Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 28 Watch Hill Rd 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 98% of the US · lower than 94% 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 164 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	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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