Westerly Town property record for 4 Top St, Westerly, RI 02891 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,743 sqft · built 1987 |
| Lot Size | 0.258 acres (11,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Oct 2015) |
| Tax Bill | $3,895 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:57 B:348 |
| Primary APN | WEST M:57 B:348 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,743 sqft Living Area |
| Gross Area | 3,808 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,227 sqft (0.258 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 15029395 |
|---|---|
| Street Address | 4 TOP ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 348 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 50801 |
Source: Westerly Town records · APN WEST M:57 B:348
Assessment roll updated June 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 TOP ST, WESTERLY, RI 02891-1906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Apr 22, 2024 | Quit Claim Deed, Transfer · ARM NAVIGANT CREDIT UNION |
| Jul 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 05, 2015 · Amount on Record |
| Deed Sale | Oct 05, 2015 · Amount on Record |
| Deed Document Number | 20154303 |
| Last Transfer Date | Mar 27, 2024 |
| Transfer Doc | 02024-4437 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 22, 2024 |
| Property Address | 4 TOP ST, WESTERLY, RI 02891-1906 |
| Document Number | 02024-4437 |
| Book / Page | 2024 / 4437 |
| Instrument Date | Mar 27, 2024 |
| Instrument | 2024-1187 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 TOP ST, WESTERLY, RI 02891-1906 |
| Document Number | 02024-4440 |
|---|---|
| Date | Apr 22, 2024 |
| Book Page | 2024/4440 |
| Instrument | 2024-1188 |
| Name | NAVIGANT CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | May 01, 2031 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 4 TOP ST, WESTERLY, RI 02891-1906 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020214108 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 2021-4108 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 01, 2046 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,895.00 (-9.46%) | $500,700 (+18.26%) Land $160,900 Building $339,800 |
| 2023 | $4,302.00 (+0.61%) | $423,400 (-) Land $115,400 Building $308,000 |
| 2022 | $4,276.00 | $423,400 Land $115,400 Building $308,000 |
Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090508012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 442 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cox Communications | Cable | 2,000 / 100 |
| Verizon | Fiber | 980 / 880 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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