85 Gounod Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 85 Gounod Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,528 sqft · built 2002
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Aug 2001)
Tax Bill	$9,525 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WEST M:135 B:8`

Property Details

APN / Parcel Number

Primary APN	`WEST M:135 B:8`
Alternative APNs	`M:135 B:8 L` `1110999`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,528 sqft Living Area
Gross Area	4,944 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1110999
Street Address	85 GOUNOD RD
City	WESTERLY
State	RI
Zip	02891-4634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2017
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	85 GOUNOD RD, WESTERLY, RI 02891-4634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY BANK
Jun 12, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL ONE CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2001 · Amount on Record
Deed Sale	Aug 17, 2001 · Amount on Record
Deed Book / Page	917 / 149
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Aug 12, 2026
Property Address	85 GOUNOD RD, WESTERLY, RI 02891-4634
Document Number	0000002720
Book / Page	2026 / 12358
Instrument Date	Aug 6, 2026
Instrument	20262720
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 GOUNOD RD, WESTERLY, RI 02891-4634

Mortgage

Document Number	0000002720,
Date	Aug 12, 2026
Book Page	2026/12358
Instrument	20262720

Lender

Name	MORGAN STANLEY BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2033
Index	1-Month LIBOR
Margin	3
Max Rate	-1%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	85 GOUNOD RD, WESTERLY, RI 02891-4634
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025-7830
Date	Jun 12, 2025
Book Page	2025/7830
Instrument	2025-1852

Lender

Name	COASTAL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2050

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	$9,525.00 (+0.73%)	$1,339,600 (+36.28%) Land $885,500 Building $454,100	$1,700,573
2023	$9,456.00 (+0.63%)	$983,000 (-) Land $581,900 Building $401,100
2022	$9,397.00	$983,000 Land $581,900 Building $401,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 140 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	143 units insured incl. 3 condo units
Nearby Flood Claims	28 (1985–2021)
Claims Outside the SFHA	8 of 28
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Severe Storms And Flooding, Apr 2010 · 8 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	SHADY HARBOR FIRE DISTRICT private · serves 300 people · EPA ID RI1559513
Water Source	Groundwater
Last State Inspection	Mar 2023
Also Mapped Here	WESTERLY WATER DEPARTMENT
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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