74 Winnapaug Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 74 Winnapaug Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 1,576 sqft · built 1939
Lot Size	0.36 acres (15,663 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Apr 2018)
Tax Bill	$7,099 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`WEST M:152 B:61`

Property Details

APN / Parcel Number

Primary APN	`WEST M:152 B:61`
Alternative APNs	`M:152 B:61 L` `16074900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,576 sqft Living Area
Gross Area	2,710 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,663 sqft (0.36 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	16074900
Street Address	74 WINNAPAUG RD
City	WESTERLY
State	RI
Zip	02891-3526
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	61
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1012
Census Tract	51000

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	127 WARRENTON AVE, HARTFORD, CT 06105-3931
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Apr 23, 2018	Deed of Trust, Transfer · Conventional Mortgage BANK OF AMERICA
May 3, 2017	Trustee's Deed, Transfer THOMAS M PICCOLO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2018 · Amount on Record
Deed Sale	Apr 23, 2018 · Amount on Record
Prior Sale	May 3, 2017 · Amount on Record
Deed Book / Page	2018 / 6138
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	74 WINNAPAUG RD, WESTERLY, RI 02891-3526
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-24802
Date	Oct 4, 2021
Book Page	2021/24802
Instrument	2021-5551

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.13%
Type Change Date	Oct 1, 2031
Index	Other

April 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	74 WINNAPAUG RD, WESTERLY, RI 02891-3526
Document Number	2018-6140
Instrument Date	Apr 23, 2018
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	74 WINNAPAUG RD WESTERLY RI 028913526, WESTERLY, RI 02891-3526

Mortgage

Document Number	2018-6140
Date	Apr 23, 2018
Book Page	002018/006140
Instrument	1557

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2048

May 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	May 3, 2017
Property Address	74 WINNAPAUG RD, WESTERLY, RI 02891-3526
Document Number	2017-7290
Book / Page	002017 / 007290
Instrument Date	Apr 13, 2017
Instrument	1828
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	74 WINNAPAUG RD WESTERLY RI 028913526, WESTERLY, RI 02891-3526

Mortgage

Document Number	2017-7303
Date	May 3, 2017
Book Page	002017/007303
Instrument	1830

Lender

Name	THOMAS M PICCOLO

Agreement

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	$7,099.00 (+2.36%)	$998,500 (+38.51%) Land $620,500 Building $378,000	$985,825
2023	$6,935.00 (+0.62%)	$720,900 (-) Land $425,500 Building $295,400
2022	$6,892.00	$720,900 Land $425,500 Building $295,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 456 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	506 units insured incl. 50 condo units
Nearby Flood Claims	157 (1978–2024)
Claims Outside the SFHA	22 of 157
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 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	Not rated no burnable land within 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 505 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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