1 Arraquat Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 1 Arraquat Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 2.5 ba · 1,773 sqft · built 1950
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,400,000 (Nov 2022)
Tax Bill	$35,950 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`WEST M:172 B:5`

Property Details

APN / Parcel Number

Primary APN	`WEST M:172 B:5`
Alternative APNs	`M:172 B:5 L` `8031245`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,773 sqft Living Area
Gross Area	4,297 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	66,647 sqft (1.53 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8031245
Street Address	1 ARRAQUAT RD
City	WESTERLY
State	RI
Zip	02891-5503
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	5
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1093
Census Tract	51000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Watch Hill Historic District listed 1985 · 179 contributing resources · NRIS 85001948

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Westerly Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	562 4TH ST, BROOKLYN, NY 11215-3009
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2022 · Amount on Record
Deed Sale	Nov 10, 2022 · Amount on Record
Prior Sale	Sep 12, 2008 · Amount on Record
Deed Book / Page	2022 / 19325
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 10, 2022
Property Address	1 ARRAQUAT RD, WESTERLY, RI 02891-5503
Document Number	2022-19325
Book / Page	2022 / 19325
Instrument Date	Nov 10, 2022
Instrument	2022-4691
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	562 4TH ST, BROOKLYN, NY 11215-3009

Mortgage

Document Number	0020224693
Date	Nov 10, 2022
Instrument	2022-4693

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Dec 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

Mortgage

Document Number	2022-19346
Date	Nov 10, 2022
Book Page	2022/19346
Instrument	2022-4694

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2042

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$35,950.00 (+9.25%)	$5,056,200 (+47.81%) Land $4,652,400 Building $403,800	$5,188,480
2023	$32,907.00 (+0.63%)	$3,420,700 (-) Land $3,069,000 Building $351,700
2022	$32,702.00	$3,420,700 Land $3,069,000 Building $351,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 456 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	506 units insured incl. 50 condo units
Nearby Flood Claims	157 (1978–2024)
Claims Outside the SFHA	22 of 157
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTERLY WATER DEPARTMENT serves 35,298 people · EPA ID RI1559512
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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