4 Nichols Ln, Westerly, RI 02891 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,351 sqft · built 2004
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$394,000 (Jan 2012)
Tax Bill	$4,926 (2025)
Deeds & Mortgages	Nov 2023 Refinance Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:018 B:98-A L`

Property Details

APN / Parcel Number

Primary APN	`M:018 B:98-A L`
Alternative APNs	`WEST M:18 B:98 L:A` `16154545`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,351 sqft Living Area
Gross Area	5,291 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16154545
Street Address	4 NICHOLS LN
City	WESTERLY
State	RI
Zip	02891-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	98
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3004
Census Tract	50901

Owner

4 Nichols Ln is owned and occupied by an individual who bought it in January 2012.

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

Owner of Record	Individual Name on File
Mailing Address	4 NICHOLS LN, WESTERLY, RI 02891-1307
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Oct 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jan 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2012 · Amount on File
Deed Sale	Jan 9, 2012 · Amount on File
Deed Book / Page	1911 / 709
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 NICHOLS LN, WESTERLY, RI 02891-1307
Transaction Type	Mortgage
Record Updated	Nov 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023-15604
Date	Nov 17, 2023
Book Page	2023/15604
Instrument	2023-3887

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2048

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 NICHOLS LN, WESTERLY, RI 02891-1307
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-24840
Date	Oct 4, 2021
Book Page	2021/24840
Instrument	2021-5555

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 NICHOLS LN, WESTERLY, RI 02891-1307
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020-494
Date	Jan 10, 2020
Book Page	2020/494
Instrument	202020-124

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 Nichols Ln was $4,926.

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	$4,926.00	$633,200 Land $164,700 Building $468,500	$677,313
2023	$4,734.00 (+0.59%)	$465,900 (-) Land $117,600 Building $348,300
2022	$4,706.00	$465,900 Land $117,600 Building $348,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4 Nichols 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 Nichols 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 97% of the US · lower than 91% of Rhode Island
Wildfire Likelihood	Under 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 200 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

May also be available: T-Mobile.

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