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177 High St, Westerly, RI, 02891

4beds
2baths
2,476sqft
$975,000
$394price/sqft
$6,604/moest. monthly cost
$264,160/yrincome needed

About This Home

A Rare Piece of Westerly History — Timeless Victorian Elegance with Modern Comfort Welcome to one of Westerly’s most pristine and beautifully preserved homes — a truly one-of-a-kind Victorian built in 1923, where historic charm meets thoughtful modern updates. This exceptional residence has been meticulously maintained to preserve its original character, showcasing stunning hardwood floors and irreplaceable solid wood trim throughout — craftsmanship that simply cannot be replicated today. Inside, you’ll find a brand new, tastefully designed kitchen that blends seamlessly with the home’s historic integrity, offering modern convenience without sacrificing charm. Every inch of this home reflects pride of ownership, creating a warm and inviting atmosphere that feels both timeless and refined. Step outside to a spacious backyard with Craig's field bordering perfect for entertaining, relaxing, or enjoying the tight-knit community that makes this area so special. Located within walking distance to vibrant Downtown Westerly and the Amtrak station, this home offers the perfect balance of lifestyle, convenience, and character. Opportunities like this are few and far between — own a true piece of Westerly’s history, preserved to perfection.

Getting Around

57
WalkingSomewhat Walkable
13
TransitMinimal Transit
59
BikeBikeable

Schools

7/10
6/10
Westerly Middle SchoolGrades 5-83.2 mi
7/10
Westerly High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1924

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Plaster,Masonry

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Interior and Exterior,Unfinished

Bathroom

  • Features: Bath w Tub & Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Wall (Plaster),Plumbing (Mixed),Insulation (Ceiling),Insulation (Floors),Insulation (Walls)
  • Flooring: Hardwood
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 2,476

Heating & Cooling

  • Heating features: Oil,Steam
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,476
  • Total interior livable area: 2,476 sqft

Property

Details

  • Parcel number: WESTM47B123
  • Zoning: 47

Features

  • Fencing: Fenced

Lot

  • Lot size: 9,583 sqft
  • Features: Sidewalks

Parking

  • Total spaces: 4
  • Parking features: No Garage,Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Hurricane
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across Rhode Island Counties

Fire
Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,930$59,160
Home Insurance *$558$6,696
Property Taxes $612$7,344
Electricity $504$6,051
Total$6,604$79,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,422/yr
40% on housing$198,120/yr
45% on housing$176,106/yr

Rhode Island FAIR Plan Programs

Rhode Island Joint Reinsurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 16,029Commercial: 109
Total Premiums$36.73M
Total Exposure$6.14B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.7%
6.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$394This listing

vs Other Active Listings

Avg $/sqft

ZIP 02891$1,025
Washington County$617

vs Homes Sold Last Month

Median $/sqft

ZIP 02891$337
Washington County$360

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-21Listed for sale$1,200,000

For Sale by Agent

AgentChad Raiche
BrokerageTown & Shore Realty

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