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85 Winnapaug Rd, Westerly, RI 02891 Property Records

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

Property Summary

Property TypeSeasonal / Vacation Home
Details2 bd · 1 ba · 704 sqft · built 1950
Lot Size0.27 acres (11,742 sqft)
OwnerCompany Name on File
Last Sale$320,000 (Jan 2016)
Tax Bill$4,343 (2025)
Deeds & MortgagesDec 2023 Refinance
Jun 2020 Mortgage
Flood ZoneZone AE (high risk)
APNWEST M:152 B:112

Property Details

APN / Parcel Number

Primary APNWEST M:152 B:112
Alternative APNs
  • M:152 B:112 L
  • 20081026

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area704 sqft Living Area
Gross Area1,339 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area11,742 sqft (0.27 acres)

Utilities, Heating & Cooling

Heating SystemBaseboard
Heating FuelElectric

Location & Zoning

Account Number20081026
Street Address85 WINNAPAUG RD
CityWESTERLY
StateRI
Zip02891-3507
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Legal Block112
JurisdictionWESTERLY RI
Township / Civil DivisionWESTERLY
Census Block Group1
Census Block1007
Census Tract51000

Owner

Source: Westerly Town assessment roll, as of June 22, 2026

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

Owner of RecordCompany Name on File
Mailing Address45 ALISON AVE, WALLINGFORD, CT 06492-3301
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 27, 2023Deed of Trust, Mortgage · Stand-Alone Refinance
NAVIGANT CREDIT UNION
Jun 29, 2020Quit Claim Deed, Transfer
GUARANTEED RATE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 8, 2016 · Amount on Record
Deed SaleJan 8, 2016 · Amount on Record
Prior SaleApr 25, 1997 · Amount on Record
Deed Book / Page2016 / 499
Last Transfer DateDec 19, 2024
Transfer Doc2024-17231
Record UpdatedSep 20, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address85 WINNAPAUG RD, WESTERLY, RI 02891-3507
Transaction TypeMortgage
Record UpdatedNov 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2023-17104
DateDec 27, 2023
Book Page2023/17104
Instrument2023-4272
Lender
NameNAVIGANT CREDIT UNION
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWESTERLY RI
Recording DateJun 29, 2020
Property Address85 WINNAPAUG RD, WESTERLY, RI 02891-3507
Document Number2020-2293
Book / Page002020 / 012293
Instrument DateJun 26, 2020
Instrument2833
Transaction TypeTransfer
Record UpdatedJun 28, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address85 WINNAPAUG RD WESTERLY RI 028913507, WESTERLY, RI 02891-3507

Mortgage

Document Number2020-2296
DateJun 29, 2020
Book Page002020/012296
Instrument2834
Lender
NameGUARANTEED RATE
Agreement
AmountAmount Recorded
Term240 Months
DueJun 28, 2040

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionWesterly Town
Unified School DistrictWesterly School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2025$4,343.00 (+5.13%)$610,900 (+42.27%) Land $448,700 Building $162,200
2023$4,131.00 (+0.63%)$429,400 (-) Land $320,800 Building $108,600
2022$4,105.00$429,400 Land $320,800 Building $108,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 456 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies506 units insured
incl. 50 condo units
Nearby Flood Claims157 (1978–2024)
Claims Outside the SFHA22 of 157
Most Recent ClaimJan 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 RiskLow
lower than 98% of the US · lower than 94% of Rhode Island
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWESTERLY WATER DEPARTMENT
serves 35,298 people · EPA ID RI1559512
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
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 72 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 35
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

May also be available: T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

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