Westerly Town property record for 3 Top St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,696 sqft · built 1959 |
| Lot Size | 0.418 acres (18,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Sep 2019) |
| Tax Bill | $3,503 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Sep 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:58 B:24 |
| Primary APN | WEST M:58 B:24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,696 sqft Living Area |
| Gross Area | 3,759 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,197 sqft (0.418 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3054700 |
|---|---|
| Street Address | 3 TOP ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 24 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 50801 |
Source: Westerly Town records · APN WEST M:58 B:24
Assessment roll updated June 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 TOP ST, WESTERLY, RI 02891-1905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 28, 2020 | Deed of Trust, Mortgage · Line of Credit WESTERLY CMNTY CU |
| Sep 13, 2019 | Executor's Deed, Transfer NOT AVAILABLE |
| Sep 13, 2019 | Trustee's Deed, Transfer · Conventional Mortgage WESTERLY CMNTY CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 13, 2019 · Amount on Record |
| Deed Sale | Sep 13, 2019 · Amount on Record |
| Deed Document Number | 20193854 |
| Deed Book / Page | 2019 / 15255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 3 TOP ST, WESTERLY, RI 02891-1905 |
| Document Number | 2020-8389 |
| Instrument Date | Aug 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3 TOP ST WESTERLY RI 028911905, WESTERLY, RI 02891-1905 |
| Document Number | 2020-8389 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 002020/018389 |
| Instrument | 4232 |
| Name | WESTERLY CMNTY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 09, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 13, 2019 |
| Property Address | 3 TOP ST, WESTERLY, RI 02891-1905 |
| Document Number | 2019-5248 |
| Book / Page | 002019 / 015248 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 3852 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 TOP ST WESTERLY RI 028911905, WESTERLY, RI 02891-1905 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 13, 2019 |
| Property Address | 3 TOP ST, WESTERLY, RI 02891-1905 |
| Document Number | 2019-5255 |
| Book / Page | 002019 / 015255 |
| Instrument Date | Sep 10, 2019 |
| Instrument | 3854 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 324 SWITCH RD HOPE VALLEY RI 028323306, HOPE VALLEY, RI 02832-3306 |
| Document Number | 2019-5262 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 002019/015262 |
| Instrument | 3856 |
| Name | WESTERLY CMNTY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 12, 2049 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,503.00 (+6.09%) | $450,200 (+38.52%) Land $162,900 Building $287,300 |
| 2023 | $3,302.00 (+0.58%) | $325,000 (-) Land $117,400 Building $207,600 |
| 2022 | $3,283.00 | $325,000 Land $117,400 Building $207,600 |
Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Based on FCC filings for 442 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WESTERLY WATER DEPARTMENT serves 35,298 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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