31 Fern Dr, Westerly, RI 02891 Property Records

Westerly Town property record for 31 Fern Dr, Westerly, RI 02891

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,718 sqft · built 1996
Lot Size	13.4 acres (587,947 sqft)
Owner	Trust Name on File
Last Sale	$12,500 (Jun 1995)
Tax Bill	$8,014 (2025)
Deeds & Mortgages	Mar 2023 Refinance Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:073 B:13-F L`

Property Details

APN / Parcel Number

Primary APN	`M:073 B:13-F L`
Alternative APNs	`WEST M:73 B:13 L:F` `19062100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,718 sqft Total Area
Gross Area	6,542 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	587,947 sqft (13.4 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19062100
Street Address	31 FERN DR
City	WESTERLY
State	RI
Zip	02891-5818
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	13
Legal Lot Number	F
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2015
Census Tract	50902

Owner

31 Fern Dr, a rural home, is owner-occupied and held in a trust since October 2022.

Source: Westerly Town records, as of June 22, 2026

Owner of Record	Trust Name on File
Mailing Address	31 FERN DR, WESTERLY, RI 02891-5818
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 23, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Apr 5, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIME BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 1995 · Amount on File
Deed Sale	Jun 9, 1995 · Amount on File
Deed Book / Page	559 / 164
Last Transfer Date	Oct 19, 2022
Transfer Doc	02023-4208
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	31 FERN DR, WESTERLY, RI 02891-5818
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023-3253
Date	Mar 23, 2023
Book Page	2023/3253
Instrument	2023-832

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 5, 2023
Property Address	31 FERN DR, WESTERLY, RI 02891-5818
Document Number	02023-4208
Book / Page	2023 / 4208
Instrument Date	Oct 19, 2022
Instrument	2023-1067
Transaction Type	Transfer
Record Updated	Apr 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 FERN DR, WESTERLY, RI 02891-5818

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	31 FERN DR, WESTERLY, RI 02891-5818
Document Number	2020-8433
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 FERN DR WESTERLY RI 028915818, WESTERLY, RI 02891-5818

Mortgage

Document Number	2020-8433
Date	Sep 10, 2020
Book Page	002020/018433
Instrument	4240

Lender

Name	DIME BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 9, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 31 Fern Dr was $8,014.

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
2025	$8,014.00	$1,127,200 Land $264,500 Building $862,700
2023	$8,155.00 (+0.63%)	$847,700 (-) Land $194,300 Building $653,400
2022	$8,104.00	$847,700 Land $194,300 Building $653,400

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

Flood

FEMA maps place 31 Fern Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 31 Fern Dr is low, with 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 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 7 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fern Dr

Nearby Streets

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