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14 Bayview Rd, Charlestown, RI, 02813

5beds
4baths
3,196sqft
$4,500,000
$1,408price/sqft
$27,593/moest. monthly cost
$1,103,720/yrincome needed

About This Home

Rare offering within Quonochontaug Central Beach — one of RI's most coveted, uncommercialized waterfront communities. A relaxed, multi-generational playground, Central Beach is built on nostalgia and quiet luxury.Set on a .41 acre double lot at the end of a peaceful dead-end street, this home is wrapped in mature landscaping and privacy, a rarity here. Reimagined in 2010 for entertaining, it features an expansive deck, screened porch that doubles as a full room, and an open-concept first floor anchored by a chef's kitchen and butler's pantry.Craftsmanship defines every room: 1.5-foot crown molding, a fireplace-warmed dining area, French limestone floors throughout the first level, marble baths, and a field stone fireplace in the living room.Upstairs, the primary suite offers a private deck and hot tub; two more bedrooms share a well-appointed marble bath. A private guest house above the two-car garage adds two bedrooms, a full bath, and a sitting area- more than just a spare room for family and friends. Central Beach offers one of the region's most extensive amenity packages: private beach access w/ parking, tennis and basketball courts, a ballfield, a playground & private access to Rhode Island's deepest salt pond for boating, kayaking, paddleboarding, clamming and fishing. Quonochontaug Pond connects to the ocean by a breachway, making it ideal for serious boaters.More than a house, it's a lifestyle and a set of traditions that keep generations of families coming back.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

7/10
10/10
Chariho High SchoolGrades 9-127.5 mi
9/10

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Shingles

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven/Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Partial,Interior and Exterior,Unfinished,Storage Space,Utility

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Plumbing (Mixed),Insulation (Ceiling),Insulation (Unknown),Insulation (Walls)
  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,196

Heating & Cooling

  • Heating features: Bottle Gas,Forced Air
  • Cooling features: Central Air,Individual Unit

Interior Area

  • Total structure area: 3,196
  • Total interior livable area: 3,196 sqft

Property

Details

  • Parcel number: CHARM2L282

Features

  • Patio & porch: Deck,Porch,Screened
  • Waterfront features: Beach,Flood Insurance,Walk to Salt Water,Walk To Water

Lot

  • Lot size: 0.32 Acres
  • Features: Sprinklers

Parking

  • Total spaces: 12
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Inland Flooding
Hurricane
Ice Storm
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 $22,754$273,048
Home Insurance *$2,036$24,432
Property Taxes $2,153$25,836
Electricity $650$7,810
Total$27,593$331,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$946,045/yr
40% on housing$827,790/yr
45% on housing$735,813/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

$1,408This listing

vs Other Active Listings

Avg $/sqft

ZIP 02813$427
Washington County$612

vs Homes Sold Last Month

Median $/sqft

ZIP 02813$434
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
2026-08-10Listed for sale$3,995,000
2026-08-10Listing removed$4,500,000
2026-07-29Listed for sale$4,500,000
2012-10-24Listing removed$1,750,000
2012-09-10Listed for sale$1,750,000
1998-02-27Sold$300,000

For Sale by Agent

AgentLori Joyal
BrokerageLila Delman Compass

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