31 Gallup St, Westerly, RI 02891 Property Records

Westerly Town property record for 31 Gallup St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 2006
Lot Size	0.444 acres (19,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Nov 2021)
Tax Bill	$3,951 (2025)
Deeds & Mortgages	Nov 2021 Sale Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:68 B:9`

Property Details

APN / Parcel Number

Primary APN	`WEST M:68 B:9`
Alternative APNs	`M:068 B:9 L` `18008490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,808 sqft Living Area
Gross Area	4,312 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,356 sqft (0.444 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	18008490
Street Address	31 GALLUP ST
City	WESTERLY
State	RI
Zip	02891-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	9
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2034
Census Tract	50901

Owner

Source: Westerly Town records, as of June 22, 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 Record
Mailing Address	31 GALLUP ST, WESTERLY, RI 02891-2552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Warranty Deed, Transfer
Sep 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Mar 1, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2021 · Amount on Record
Deed Sale	Nov 12, 2021 · Amount on Record
Prior Sale	Mar 20, 2009 · Amount on Record
Deed Document Number	20216298
Deed Book / Page	2021 / 28492
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 12, 2021
Property Address	31 GALLUP ST, WESTERLY, RI 02891-2552
Document Number	2021-28492
Book / Page	2021 / 28492
Instrument Date	Oct 29, 2021
Instrument	2021-6298
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Amount	Amount Recorded
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	31 GALLUP ST, WESTERLY, RI 02891-2552

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	31 GALLUP ST, WESTERLY, RI 02891-2552
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-24621
Date	Sep 30, 2021
Book Page	2021/24621
Instrument	2021-5516

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	31 GALLUP ST, WESTERLY, RI 02891-2552
Document Number	2017-4631
Book / Page	002017 / 004631
Instrument Date	Mar 1, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017-4631
Date	Mar 24, 2017
Book Page	002017/004631
Instrument	1166

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,951.00 (+5.14%)	$507,800 (+37.28%) Land $147,300 Building $360,500
2023	$3,758.00 (+0.59%)	$369,900 (-) Land $105,300 Building $264,600
2022	$3,736.00	$369,900 Land $105,300 Building $264,600

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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

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.

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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gallup St

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