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853 W Beach Rd, Charlestown, RI, 02813

2beds
1baths
461sqft
$975,000
$2,115price/sqft
$6,219/moest. monthly cost
$248,760/yrincome needed

About This Home

This exceptional offering includes two parcels sold together, featuring a combined 90 feet of road frontage and an unbeatable location—just before the access point to Quonochontaug Pond and the breachway. Enjoy sweeping water views and breathtaking vistas that extend all the way to Montauk. The property includes a classic 1960s cottage, serviced by a 2-bedroom septic system, and offers direct access to Quonochontaug Pond—a destination known for its peaceful setting and abundant recreational options, including boating, kayaking, clamming, fishing, and swimming. Whether you're looking to build your dream waterfront retreat or invest in a premier piece of coastal real estate, this is a rare chance to own in one of the most desirable and scenic locations in the area. Opportunities like this don’t come around often.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

7/10
10/10
Chariho High SchoolGrades 9-128.2 mi
9/10

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Pillar/Post/Pier
  • Construction materials: Paneled,Shingles,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Wall (Paneled),Plumbing (Mixed),Insulation (Unknown)
  • Flooring: Hardwood
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 461

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 461
  • Total interior livable area: 461 sqft

Property

Details

  • Parcel number: CHARM1L91
  • Zoning: R2A

Features

  • Patio & porch: Deck
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Access,Beach,Flood Insurance,Mooring,Saltwater Front,Walk to Salt Water,Walk To Water

Lot

  • Lot size: 0.32 Acres

Parking

  • Total spaces: 4
  • Parking features: No Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 $4,930$59,160
Home Insurance *$441$5,292
Property Taxes $459$5,508
Electricity $389$4,675
Total$6,219$74,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$213,222/yr
40% on housing$186,570/yr
45% on housing$165,840/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

$2,115This listing

vs Other Active Listings

Avg $/sqft

ZIP 02813$470
Washington County$616

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
2026-03-30Price change$975,000
2025-05-30Price change$1,150,000
2024-08-15Listed for sale$1,350,000

For Sale by Agent

AgentThe Schilke Team
BrokerageSchilke Realty

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