3 White Cap Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 3 White Cap Rd, Westerly, RI 02891 · Last verified July 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 4 ba · 3,202 sqft · built 1986
Lot Size	0.989 acres (43,068 sqft)
Owner	2 Individual Names on File
Last Sale	$1,111,000 (Sep 2023)
Tax Bill	$7,144 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:138 B:111-L L`

Property Details

APN / Parcel Number

Primary APN	`M:138 B:111-L L`
Alternative APNs	`WEST M:138 B:111 L:L` `18000625`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,202 sqft Living Area
Gross Area	6,854 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,068 sqft (0.989 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	18000625
Street Address	3 WHITE CAP RD
City	WESTERLY
State	RI
Zip	02891-3557
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	111
Legal Lot Number	L
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3032
Census Tract	50902

Owner

Source: Westerly Town records · APN M:138 B:111-L L

Assessment roll updated June 22, 2026 · Last verified July 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 FOSTER DR, NORTON, MA 02766-1162
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK
Mar 01, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Mar 01, 2022 · Amount on Record
Deed Book / Page	2023 / 12357
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 15, 2023
Property Address	3 WHITE CAP RD, WESTERLY, RI 02891-3557
Document Number	2023-12357
Book / Page	2023 / 12357
Instrument Date	Sep 15, 2023
Instrument	2023-3062
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 FOSTER DR, NORTON, MA 02766-1162

Mortgage

Document Number	0020233063
Date	Sep 15, 2023
Instrument	2023-3063

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Oct 01, 2033
Max Rate At Change	2.75%
Index	1-Year CMT

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 01, 2022
Property Address	3 WHITE CAP RD, WESTERLY, RI 02891-3557
Document Number	02022-4212
Book / Page	2022 / 4212
Instrument Date	Feb 28, 2022
Instrument	2022-987
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 WHITE CAP RD, WESTERLY, RI 02891-3557

Mortgage

Document Number	0002022988
Date	Mar 01, 2022
Instrument	2022-988

Lender

Name	PROSPERITY HOME MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$7,144.00 (-3.94%)	$1,004,800 (+29.97%) Land $312,100 Building $692,700
2023	$7,437.00 (+0.62%)	$773,100 (-) Land $224,600 Building $548,500
2022	$7,391.00	$773,100 Land $224,600 Building $548,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090509023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (2009–2010)
Most Recent Claim	Mar 2010, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 151 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 35
Verizon	Fiber	980 / 880

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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