1 Railroad Ave, Westerly, RI 02891 Property Records

Westerly Town property record for 1 Railroad Ave, Westerly, RI 02891

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Lot Size	0.303 acres (13,198 sqft)
Owner	Company Name on Record
Last Sale	$180,000 (May 1998)
Tax Bill	$9,992 (2025)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:56 B:56`

Property Details

APN / Parcel Number

Primary APN	`WEST M:56 B:56`
Alternative APNs	`M:056 B:56 L` `8000290`

Interior

Units	9 Units

Exterior

Lot Area	13,198 sqft (0.303 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	8000290
Street Address	1 RAILROAD AVE
City	WESTERLY
State	RI
Zip	02891-1817
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Block	56
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	4
Census Block	4004
Census Tract	50801

Historic Designation

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

Historic District	Within the Westerly Downtown Historic District listed 1984 · 43 contributing resources · NRIS 84002055

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	Company Name on Record
Mailing Address	PO BOX 659, MYSTIC, CT 06355-0659
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 1998 · Amount on Record
Deed Sale	May 8, 1998 · Amount on Record
Deed Book / Page	700 / 195
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	1 RAILROAD AVE, WESTERLY, RI 02891-1817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020-1478
Date	Jan 29, 2020
Book Page	2020/1478
Instrument	202020-358

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

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	$9,992.00 (-6.13%)	$1,284,300 (+22.58%) Land $124,600 Building $1,159,700	$455,306
2023	$10,645.00 (+0.6%)	$1,047,700 (-) Land $113,600 Building $934,100
2022	$10,582.00	$1,047,700 Land $113,600 Building $934,100

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	23 (1982–2021)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Sep 2021 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Hurricane Gloria, Sep 1985 · 2 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	Not rated no burnable land within 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 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Cox Communications Cable	2,000 / 100
Breezeline Cable	1,000 / 50
Verizon Fiber · Fixed Wireless	980 / 880
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3