7 Nichols Ln, Westerly, RI 02891 Property Records

Westerly Town property record for 7 Nichols Ln, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,428 sqft · built 1960
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Jun 2026)
Tax Bill	$3,892 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:18 B:111`

Property Details

APN / Parcel Number

Primary APN	`WEST M:18 B:111`
Alternative APNs	`M:018 B:111 L` `22032790`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Gross Area	3,898 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	22032790
Street Address	7 NICHOLS LN
City	WESTERLY
State	RI
Zip	02891-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	111
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3007
Census Tract	50901

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	Individual Name on Record
Mailing Address	7 NICHOLS LN, WESTERLY, RI 02891-1308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHARTER OAK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Deed Document Number	20262026-2130
Deed Book / Page	2026 / 9793
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jun 24, 2026
Property Address	7 NICHOLS LN, WESTERLY, RI 02891-1308
Document Number	0000002130
Book / Page	2026 / 9793
Instrument Date	Jun 17, 2026
Instrument	20262130
Transaction Type	Transfer
Record Updated	Jul 15, 2026

Transaction

Amount	Amount Recorded
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
Address	7 NICHOLS LN, WESTERLY, RI 02891-1308

Mortgage

Document Number	0000002131,
Date	Jun 24, 2026
Book Page	2026/9794
Instrument	20262131

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	7 NICHOLS LN, WESTERLY, RI 02891-1308
Document Number	2020-2629
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 NICHOLS LN WESTERLY RI 028911308, WESTERLY, RI 02891-1308

Mortgage

Document Number	2020-2629
Date	Jul 1, 2020
Book Page	002020/012629
Instrument	2910

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 30, 2025

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	$3,892.00 (+18.08%)	$500,300 (+54.22%) Land $164,700 Building $335,600	$561,011
2023	$3,296.00 (+0.61%)	$324,400 (-) Land $117,600 Building $206,800
2022	$3,276.00	$324,400 Land $117,600 Building $206,800

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
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

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

Wildfire Risk	Low lower than 97% of the US · lower than 91% of Rhode Island
Wildfire Likelihood	Under 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.

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