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20 Snowberry Ln, Westerly, RI, 02891

5beds
3baths
1,636sqft
$2,899,000
$1,772price/sqft
$18,365/moest. monthly cost
$734,600/yrincome needed

About This Home

Welcome to “Thalassa”, a quintessential summer cottage on a private peninsula beside Winnapuag Pond surrounded by unparalleled natural beauty. Enjoy spectacular sunsets drenched in magnificent, unobstructed views of the pond and the Atlantic Ocean. This rare find of exceptional waterfront privacy offers a secluded deck, fixed dock and well-situated outdoor space for an array of summer activities. The cottage boasts a large living room with an original “Westerly Granite” fireplace. 5 bedrooms and 2.5 baths provide space for comfortable gatherings. New, architectural shingled roof, hurricane- resistant windows and a denitrification septic system. Relax around the waterside firepit and refresh under the outdoor shower after a day in the sun. This is coastal New England at its finest!

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
32
BikeSomewhat Bikeable

Schools

5/10
Dunn's Corners SchoolGrades K-40.9 mi
6/10
Westerly Middle SchoolGrades 5-81.3 mi
7/10
Westerly High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Stone
  • Construction materials: Dry Wall,Wood Wall(s),Shingles,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Oven/Range,Refrigerator

Basement

  • Basement: Crawl Space

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bathroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Wall (Dry Wall),Wall (Wood),Plumbing (Mixed),Insulation (Ceiling),Insulation (Floors),Insulation (Walls)
  • Flooring: Hardwood,Laminate,Other
  • Number of fireplaces: 1
  • Fireplace features: Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,636

Heating & Cooling

  • Heating features: Electric,Baseboard
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,636
  • Total interior livable area: 1,636 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Other

  • Level: Second

Other

  • Level: Second

Other

  • Level: First

Other

  • Level: Second

Property

Details

  • Parcel number: WESTM143B53
  • Zoning: R10

Features

  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterfront features: Waterfront,Access,Beach,Dock,Flood Insurance,Freshwater Front,Walk To Water

Lot

  • Lot size: 0.80 Acres
  • Features: Secluded

Parking

  • Total spaces: 1
  • Parking features: Integral
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
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 $14,658$175,896
Home Insurance *$1,660$19,920
Property Taxes $1,658$19,896
Electricity $389$4,675
Total$18,365$220,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$629,657/yr
40% on housing$550,950/yr
45% on housing$489,733/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

$1,772This listing

vs Other Active Listings

Avg $/sqft

ZIP 02891$986
Washington County$611

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
2026-01-29Listed for sale$3,499,000
2012-10-05Sold$640,000
2012-06-01Listed for sale$695,000
2012-03-19Listing removed$695,000
2012-02-03Listed for sale$695,000
2011-12-25Listing removed$695,000
2011-11-09Listed for sale$695,000

For Sale by Agent

AgentHolly Powell
BrokerageBHHS New England Properties

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