45 Potter Hill Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 45 Potter Hill Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 920 sqft · built 1963
Lot Size	0.301 acres (13,125 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (May 2019)
Tax Bill	$2,347 (2025)
Deeds & Mortgages	Apr 2021 Refinance May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:19 B:47`

Property Details

APN / Parcel Number

Primary APN	`WEST M:19 B:47`
Alternative APNs	`M:019 B:47 L` `12022765`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	920 sqft Living Area
Gross Area	2,199 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,125 sqft (0.301 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	12022765
Street Address	45 POTTER HILL RD
City	WESTERLY
State	RI
Zip	02891-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	47
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3003
Census Tract	50901

Owner

45 Potter Hill Rd is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	45 POTTER HILL RD, WESTERLY, RI 02891-1109
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
Apr 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
May 9, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PROVINCE MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Prior Sale	Jan 15, 2016 · Amount on File
Deed Document Number	20191881
Deed Book / Page	2019 / 7281
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 POTTER HILL RD, WESTERLY, RI 02891-1109
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-9128
Date	Apr 9, 2021
Book Page	2021/9128
Instrument	2021-2065

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 9, 2019
Property Address	45 POTTER HILL RD, WESTERLY, RI 02891-1109
Document Number	2019-7281
Book / Page	2019 / 7281
Instrument Date	May 9, 2019
Instrument	2019-1881
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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	20191882
Date	May 9, 2019
Instrument	2019-1882

Lender

Name	PROVINCE MORTGAGE ASSOCIATES INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Potter Hill Rd was $2,347.

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	$2,347.00	$330,100 Land $160,000 Building $170,100	$404,909
2023	$2,479.00 (+0.61%)	$257,700 (-) Land $114,300 Building $143,400
2022	$2,464.00	$257,700 Land $114,300 Building $143,400

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

Flood

FEMA maps place 45 Potter Hill Rd 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 45 Potter Hill Rd is low, with 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 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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