Westerly Town property record for 32 Cove Rd, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 790 sqft · built 1958 |
| Lot Size | 0.077 acres (3,337 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $280,000 (Jul 2019) |
| Tax Bill | $3,143 (2025) |
| Deeds & Mortgages | Apr 2024 Refinance Feb 2022 Transfer + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | WEST M:142 B:104 |
| Primary APN | WEST M:142 B:104 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 790 sqft Living Area |
| Gross Area | 886 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,337 sqft (0.077 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 20058095 |
|---|---|
| Street Address | 32 COVE RD |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 104 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2066 |
| Census Tract | 51000 |
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 | Trust Name on Record |
|---|---|
| Mailing Address | 32 COVE RD, WESTERLY, RI 02891-4437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 24, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU |
| Feb 17, 2022 | Quit Claim Deed, Transfer Quitclaim |
| May 7, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RHODE ISLAND HSNG & MTG FIN |
| Jul 2, 2019 | Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2019 · Amount on Record |
| Deed Sale | Jul 2, 2019 · Amount on Record |
| Prior Sale | Apr 3, 2014 · Amount on Record |
| Deed Document Number | 20192702 |
| Deed Book / Page | 2019 / 10606 |
| Last Transfer Date | Feb 17, 2022 |
| Transfer Doc | 02022-3276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 32 COVE RD, WESTERLY, RI 02891-4437 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2024 |
| Name | Verified Name |
|---|
| Document Number | 02024-4619 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | 2024/4619 |
| Instrument | 2024-1224 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Feb 17, 2022 |
| Property Address | 32 COVE RD, WESTERLY, RI 02891-4437 |
| Document Number | 02022-3276 |
| Book / Page | 2022 / 3276 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 2022-784 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 COVE RD, WESTERLY, RI 02891-4437 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 32 COVE RD, WESTERLY, RI 02891-4437 |
| Document Number | 2020-7963 |
| Instrument Date | May 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 32 COVE RD WESTERLY RI 028914437, WESTERLY, RI 02891-4437 |
| Document Number | 2020-7963 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 002020/027963 |
| Instrument | 6378 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 32 COVE RD, WESTERLY, RI 02891-4437 |
| Document Number | 2019-2348 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 32 COVE RD WESTERLY RI 028914437, WESTERLY, RI 02891-4437 |
| Document Number | 2019-2348 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 002019/022348 |
| Instrument | 5577 |
| Name | RHODE ISLAND HSNG & MTG FIN |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 2, 2019 |
| Property Address | 32 COVE RD, WESTERLY, RI 02891-4437 |
| Document Number | 2019-606 |
| Book / Page | 002019 / 010606 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 2702 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 MYRICA AVE RYE NH 038702600, RYE, NH 03870-2600 |
| Document Number | 2019-610 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 002019/010610 |
| Instrument | 2703 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
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 | $3,143.00 (-0.63%) | $442,000 (+34.43%) Land $334,100 Building $107,900 | $578,138 |
| 2023 | $3,163.00 (+1.57%) | $328,800 (+0.95%) Land $238,700 Building $90,100 | |
| 2022 | $3,114.00 | $325,700 Land $238,700 Building $87,000 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 140 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 143 units insured incl. 3 condo units |
| Nearby Flood Claims | 28 (1985–2021) |
| Claims Outside the SFHA | 8 of 28 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| 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 | Not rated no burnable land 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 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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