5 Hubbard St, Westerly, RI 02891 Property Records

Westerly Town property record for 5 Hubbard St, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 2 ba · 1,757 sqft · built 1923
Lot Size	0.564 acres (24,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,500 (Mar 2019)
Tax Bill	$4,134 (2025)
Deeds & Mortgages	Jul 2022 Refinance May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:107 B:12`

Property Details

APN / Parcel Number

Primary APN	`WEST M:107 B:12`
Alternative APNs	`M:107 B:12 L` `3272135`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,757 sqft Living Area
Gross Area	3,436 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,583 sqft (0.564 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	3272135
Street Address	5 HUBBARD ST
City	WESTERLY
State	RI
Zip	02891-3207
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	12
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2025
Census Tract	50802

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	700 ROUTE 22, PAWLING, NY 12564-1254
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU
May 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FRONTIER BANK
Mar 29, 2019	Trustee's Deed, Foreclosure · Stand-Alone First Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Prior Sale	Jul 17, 2008 · Amount on Record
Deed Document Number	20191225
Deed Book / Page	2019 / 4749
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	2019-4749
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	5 HUBBARD ST, WESTERLY, RI 02891-3207
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2022-13630
Date	Jul 27, 2022
Book Page	2022/13630
Instrument	2022-3233

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	5 HUBBARD ST, WESTERLY, RI 02891-3207
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020-9072
Date	May 15, 2020
Book Page	2020/9072
Instrument	2020-2083

Lender

Name	FRONTIER BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 29, 2019
Property Address	5 HUBBARD ST, WESTERLY, RI 02891-3207
Document Number	2019-4749
Book / Page	2019 / 4749
Instrument Date	Mar 27, 2019
Instrument	2019-1225
Transaction Type	Foreclosure
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 ROUTE 22, PAWLING, NY 12564-1254
Investor	Possibly a Property Investor

Mortgage

Document Number	20191226
Date	Mar 29, 2019
Instrument	2019-1226

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,134.00 (-4.68%)	$531,400 (+24.48%) Land $217,500 Building $313,900	$619,019
2023	$4,337.00 (+9.24%)	$426,900 (+8.6%) Land $156,300 Building $270,600
2022	$3,970.00	$393,100 Land $156,300 Building $236,800

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
Flood Insurance Cost	Premium on Record 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	Hurricane Sandy, Oct 2012 · 2 claims Severe Storms And Flooding, Mar 2010 · 5 claims Hurricane Bob, Aug 1991 · 2 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 98% of the US · lower than 94% 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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