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145 High St APT C, Westerly, RI, 02891

3beds
2baths
2,208sqft
$429,900
$195price/sqft
$3,145/moest. monthly cost
$125,800/yrincome needed

About This Home

Welcome to 145 High Street, Unit C, an immaculate two-level condominium offering over 2,200 square feet of living space—making it one of the largest condo residences in Westerly. Beautifully maintained and move-in ready, this spacious home blends modern convenience with timeless charm and lives more like a single-family residence than a traditional condo. The main level features gleaming hardwood floors, a bright and inviting sunroom perfect for enjoying your morning coffee or taking in the sunset, a versatile bonus room ideal for a home office, den, playroom, or guest space, as well as a full bathroom and conveniently located in-unit washer and dryer for added functionality and flexibility. Upstairs, you’ll find three generously sized bedrooms and an additional full bathroom, providing ample space for family, guests, or remote work needs. Additional highlights include a dedicated basement storage area reserved exclusively for condo owners. Ideally located just moments from Downtown Westerly’s restaurants, shops, entertainment, and community amenities, this home also offers convenient access to I-95, the Amtrak station, and the area’s renowned beaches. A rare opportunity to own a spacious, turnkey condominium in one of Westerly’s most desirable and convenient locations. Don’t miss your chance to make this exceptional property your own.

Getting Around

66
WalkingSomewhat Walkable
13
TransitMinimal Transit
49
BikeSomewhat Bikeable

Schools

7/10
7/10
Westerly Middle SchoolGrades 5-83.1 mi
7/10
Westerly High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1860

Materials

  • Foundation: Mixed
  • Construction materials: Dry Wall,Vinyl Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Unfinished,Common,Storage Space

Bathroom

  • Features: Bath w Tub, Bath w Tub & Shower

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Wall (Dry Wall),Plumbing (PVC),Insulation (Unknown)
  • Flooring: Hardwood,Carpet
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 2,208

Heating & Cooling

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

Interior Area

  • Total structure area: 2,208
  • Total interior livable area: 2,208 sqft

Property

Details

  • Parcel number: WESTM47B129L201
  • Zoning: R6

Features

  • Stories: 2
  • Entry location: First Floor Access,Private Entry
  • Waterfront features: Access

Lot

  • Features: Sidewalks

Parking

  • Total spaces: 2
  • Parking features: Detached,Assigned
  • Has garage: 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 $2,173$26,076
Home Insurance *$246$2,952
Property Taxes $277$3,324
Electricity $449$5,396
Total$3,145$37,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,828/yr
40% on housing$94,350/yr
45% on housing$83,866/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

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 02891$1,032
Washington County$618

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
2026-06-01Listed for sale$429,900
2020-11-12Sold$225,000
2020-10-08Listing removed$1,900
2020-10-04Listed for rent$1,900
2020-07-09Price change$225,000
2020-05-07Listed for sale$229,000
2018-06-30Listing removed$1,750
2018-06-22Listed for rent$1,750
2018-06-04Listing removed$215,000
2018-05-03Price change$215,000
2018-03-28Listed for sale$235,000
2016-11-16Listing removed$1,600
2013-01-18Listing removed$1,400
2012-11-01Listed for rent$1,400
2012-11-01Listing removed$191,000
2012-09-27Listed for sale$191,000
2011-11-01Sold$363,500
2011-06-07Price change$170,000
2011-04-20Listed for sale$175,000
2011-04-13Sold$165,000
2011-03-17Listed for sale$189,525
2010-09-16Listing removed$169,000
2010-07-30Pending sale$169,000
2010-07-10Listed for sale$169,000
2010-06-26Pending sale$169,000
2010-03-14Listed for sale$169,000

For Sale by Agent

AgentChad Raiche
BrokerageTown & Shore Realty

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