Westerly Town property record for 40 Hubbard St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,243 sqft · built 1969 |
| Lot Size | 0.574 acres (25,019 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,771 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit Sep 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:97 B:24 |
| Primary APN | WEST M:97 B:24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,243 sqft Living Area |
| Gross Area | 4,790 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,019 sqft (0.574 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 16007701 |
|---|---|
| Street Address | 40 HUBBARD ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-3208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 24 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 50802 |
40 Hubbard St is owner-occupied and held in a trust.
Source: Westerly Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 40 HUBBARD ST, WESTERLY, RI 02891-3208 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 14, 2018 | Deed of Trust, Mortgage · Line of Credit WESTERLY COMMUNITY CU |
| Sep 25, 2018 | Warranty Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 40 HUBBARD ST, WESTERLY, RI 02891-3208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018-7545 |
|---|---|
| Date | May 14, 2018 |
| Book Page | 2018/7545 |
| Instrument | 1901 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 25, 2018 |
| Property Address | 40 HUBBARD ST, WESTERLY, RI 02891-3208 |
| Document Number | 2018-5945 |
| Book / Page | 002018 / 015945 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 4020 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 HUBBARD ST WESTERLY RI 028913208, WESTERLY, RI 02891-3208 |
The 2025 property tax bill for 40 Hubbard St was $4,771.
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 | $4,771.00 | $613,200 Land $217,700 Building $395,500 | $642,643 |
| 2023 | $4,849.00 (+2.43%) | $477,300 (+1.83%) Land $156,500 Building $320,800 | |
| 2022 | $4,734.00 | $468,700 Land $156,500 Building $312,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Hubbard St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1991.
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 |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 10 (1991–2024) |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| 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.
Wildfire risk around 40 Hubbard St 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 80% 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.
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 331 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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