4 Judi Ln, Westerly, RI 02891 Property Records

Westerly Town property record for 4 Judi Ln, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,612 sqft · built 2023
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Oct 2025)
Tax Bill	$3,958 (2025)
Deeds & Mortgages	Sep 2023 Refinance Mar 2025 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:37 B:84`

Property Details

APN / Parcel Number

Primary APN	`WEST M:37 B:84`
Alternative APNs	`M:037 B:84 L` `16209120`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,612 sqft Living Area
Gross Area	3,128 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	16209120
Street Address	4 JUDI LN
City	WESTERLY
State	RI
Zip	02891-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	84
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3025
Census Tract	50901

Owner

4 Judi Ln is owned and occupied by two individuals who bought it in October 2025.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 JUDI LN, WESTERLY, RI 02891-1431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MARGARET LESSA
Mar 19, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 10, 2025	Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Feb 2, 2024	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage EVEREST FUNDING
May 9, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage K2 INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Prior Sale	Feb 2, 2024 · Amount on File
Deed Book / Page	2025 / 14689
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 JUDI LN, WESTERLY, RI 02891-1431
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023-12080
Date	Sep 13, 2023
Book Page	2023/12080
Instrument	2023-3007

Lender

Name	MARGARET LESSA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 JUDI LN, WESTERLY, RI 02891-1431
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025-3255
Date	Mar 19, 2025
Book Page	2025/3255
Instrument	2025-804

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Oct 10, 2025
Property Address	4 JUDI LN, WESTERLY, RI 02891-1431
Document Number	2025-14689
Book / Page	2025 / 14689
Instrument Date	Sep 10, 2025
Instrument	2025-3551
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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

Mortgage

Document Number	0020253552
Date	Oct 10, 2025
Instrument	2025-3552

Lender

Name	NOVUS HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

February 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Feb 2, 2024
Property Address	4 JUDI LN, WESTERLY, RI 02891
Document Number	02024-1203
Book / Page	2024 / 1203
Instrument Date	Feb 2, 2024
Instrument	2024-333
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 15, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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

Mortgage

Document Number	0002024334
Date	Feb 2, 2024
Instrument	2024-334

Lender

Name	EVEREST FUNDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 9, 2023
Property Address	4 JUDI LN, WESTERLY, RI 02891-1431
Document Number	02023-5821
Book / Page	2023 / 5821
Instrument Date	May 8, 2023
Instrument	2023-1453
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	18 BLUE RIDGE RD, CRANSTON, RI 02920-4522

Mortgage

Document Number	0020231454
Date	May 9, 2023
Instrument	2023-1454

Lender

Name	K2 INVESTMENTS LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 Judi Ln was $3,958.

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	Assessed Market Value
2025	$3,958.00	$508,700 Land $145,800 Building $362,900	$598,496
2023	$677.00 (+0.59%)	$66,600 (-) Land $66,300 Building $300
2022	$673.00	$66,600 Land $66,300 Building $300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4 Judi Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	3 in force
Nearby Flood Claims	2 (2010)
Most Recent Claim	Apr 2010 · river or lake flooding

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

Wildfire risk around 4 Judi Ln is low, with less than 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 94% of the US · lower than 83% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

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