44 Potter Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 44 Potter Hill Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,524 sqft · built 1965
Lot Size	1.09 acres (47,860 sqft)
Owner	Individual Name on Record
Last Sale	$227,900 (Apr 2018)
Tax Bill	$3,246 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:19 B:56`

Property Details

APN / Parcel Number

Primary APN	`WEST M:19 B:56`
Alternative APNs	`M:019 B:56 L` `7198415`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
Gross Area	3,160 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,860 sqft (1.09 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7198415
Street Address	44 POTTER HILL RD
City	WESTERLY
State	RI
Zip	02891-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	56
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1019
Census Tract	50901

Owner

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	Individual Name on Record
Mailing Address	44 POTTER HILL RD, WESTERLY, RI 02891-1105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Line of Credit WESTERLY COMMUNITY CREDIT UNION
Jun 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jun 7, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 16, 2018	Executor's Deed, Transfer · FHA Mortgage SEMPER HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2018 · Amount on Record
Deed Sale	Apr 16, 2018 · Amount on Record
Prior Sale	Nov 4, 2013 · Amount on Record
Deed Document Number	20181457
Deed Book / Page	2018 / 5725
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	May 20, 2026
Property Address	44 POTTER HILL RD, WESTERLY, RI 02891-1105
Document Number	02026-7489
Book / Page	2026 / 7489
Instrument Date	May 15, 2026
Instrument	20261642
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 POTTER HILL RD, WESTERLY, RI 02891-1105

Mortgage

Document Number	0000001642,
Date	May 20, 2026
Book Page	2026/7489
Instrument	20261642

Lender

Name	WESTERLY COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.3%
Max Rate	-1%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	44 POTTER HILL RD, WESTERLY, RI 02891-1105
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025-7846
Date	Jun 13, 2025
Book Page	2025/7846
Instrument	2025-1856

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	44 POTTER HILL RD, WESTERLY, RI 02891-1105
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022-10642
Date	Jun 7, 2022
Book Page	2022/10642
Instrument	2022-2502

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jul 1, 2048

April 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 16, 2018
Property Address	44 POTTER HILL RD, WESTERLY, RI 02891-1105
Document Number	2018-5725
Book / Page	2018 / 5725
Instrument	1457
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.14
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	20185727
Date	Apr 16, 2018
Instrument	02018/5727

Lender

Name	SEMPER HOME LOANS
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2048

Tax Assessment & Valuation

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	$3,246.00 (+0.34%)	$456,500 (+35.74%) Land $181,600 Building $274,900	$463,225
2023	$3,235.00 (+0.62%)	$336,300 (-) Land $131,100 Building $205,200
2022	$3,215.00	$336,300 Land $131,100 Building $205,200

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

Flood

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	8 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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