Westerly Town property record for 3 Hill St, Westerly, RI 02891
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,302 sqft · built 1987 |
| Lot Size | 0.402 acres (17,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Mar 1990) |
| Tax Bill | $3,162 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:98 B:56 |
| Primary APN | WEST M:98 B:56 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,302 sqft Living Area |
| Gross Area | 2,506 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,500 sqft (0.402 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 12184650 |
|---|---|
| Street Address | 3 HILL ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-3426 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 56 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 50802 |
Source: Westerly Town records, as of October 20, 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 | 3 HILL ST, WESTERLY, RI 02891-3426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 4, 2026 | Deed of Trust, Mortgage DIME BANK |
| Feb 27, 2019 | Deed of Trust, Mortgage · Balloon Mortgage WESTERLY COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 1990 · Amount on Record |
| Deed Sale | Mar 26, 1990 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | May 4, 2026 |
| Property Address | 3 HILL ST, WESTERLY, RI 02891-3426 |
| Document Number | 02026-6520 |
| Book / Page | 2026 / 6520 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 20261411 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3 HILL ST, WESTERLY, RI 02891-3426 |
| Document Number | 0000001411, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 2026/6520 |
| Instrument | 20261411 |
| Name | DIME BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.78% |
| Initial Type | Adjustable Rate |
| Type Change Date | May 1, 2033 |
| Index | 1-Month LIBOR |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 3 HILL ST, WESTERLY, RI 02891-3426 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019-2923 |
|---|---|
| Date | Feb 27, 2019 |
| Book Page | 2019/2923 |
| Instrument | 773 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2044 |
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 | $3,162.00 (+4.05%) | $406,400 (+35.87%) Land $174,600 Building $231,800 | $437,481 |
| 2023 | $3,039.00 (+0.6%) | $299,100 (-) Land $124,700 Building $174,400 | |
| 2022 | $3,021.00 | $299,100 Land $124,700 Building $174,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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 | Indirect 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 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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