87 Winnapaug Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 87 Winnapaug Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 2 ba · 768 sqft · built 1955
Lot Size	0.27 acres (11,742 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Dec 2016)
Tax Bill	$6,100 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2026 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`WEST M:152 B:111`

Property Details

APN / Parcel Number

Primary APN	`WEST M:152 B:111`
Alternative APNs	`M:152 B:111 L` `7110665`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	768 sqft Living Area
Gross Area	2,764 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,742 sqft (0.27 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7110665
Street Address	87 WINNAPAUG RD
City	WESTERLY
State	RI
Zip	02891-3507
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	111
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1007
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	87 WINNAPAUG RD, WESTERLY, RI 02891-3507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 7, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 16, 2025	Deed of Trust, Mortgage FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2016 · Amount on Record
Deed Sale	Dec 2, 2016 · Amount on Record
Prior Sale	Aug 18, 1997 · Amount on Record
Deed Document Number	20165334
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Jun 22, 2026
Property Address	87 WINNAPAUG RD, WESTERLY, RI 02891-3507
Document Number	0000002080
Book / Page	2026 / 9613
Instrument Date	Jun 12, 2026
Instrument	20262080
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 WINNAPAUG RD, WESTERLY, RI 02891-3507

Mortgage

Document Number	0000002080,
Date	Jun 22, 2026
Book Page	2026/9613
Instrument	20262080

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	87 WINNAPAUG RD, WESTERLY, RI 02891-3507
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026-135
Date	Jan 7, 2026
Book Page	2026/135
Instrument	2026-41

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	87 WINNAPAUG RD, WESTERLY, RI 02891-3507
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025-14869
Date	Oct 16, 2025
Book Page	2025/14869
Instrument	2025-3601

Lender

Name	FIGURE LENDING LLC

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

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	$6,100.00 (+7.32%)	$858,000 (+45.2%) Land $448,700 Building $409,300	$920,256
2023	$5,684.00 (+0.62%)	$590,900 (-) Land $320,800 Building $270,100
2022	$5,649.00	$590,900 Land $320,800 Building $270,100

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 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	Low lower than 94% of the US · lower than 83% 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 72 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: T-Mobile.

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