118 Atlantic Ave, Westerly, RI 02891 Property Records

Westerly Town property record for 118 Atlantic Ave, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 2,271 sqft · built 2019
Lot Size	0.115 acres (5,000 sqft)
Owner	Trust Name on File
Last Sale	$430,000 (Apr 2015)
Tax Bill	$13,611 (2025)
Deeds & Mortgages	May 2021 Sale Jul 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`WEST M:165 B:96`

Property Details

APN / Parcel Number

Primary APN	`WEST M:165 B:96`
Alternative APNs	`M:165 B:96 L` `6122330`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,271 sqft Living Area
Gross Area	4,268 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6122330
Street Address	118 ATLANTIC AVE
City	WESTERLY
State	RI
Zip	02891-4307
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	96
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1070
Census Tract	51000

Owner

118 Atlantic Ave, a residential property, is held in a trust since March 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	1 GLENDALE DR, CLIFTON PARK, NY 12065-1149
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Warranty Deed, Transfer
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2015 · Amount on File
Deed Sale	Apr 17, 2015 · Amount on File
Deed Book / Page	2015 / 5476
Last Transfer Date	Mar 30, 2021
Transfer Doc	2021-12148
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 3, 2021
Property Address	118 ATLANTIC AVE, WESTERLY, RI 02891-4307
Document Number	2021-12148
Book / Page	2021 / 12148
Instrument Date	Mar 30, 2021
Instrument	2021-2644
Transaction Type	Transfer
Record Updated	Nov 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 GLENDALE DR, CLIFTON PARK, NY 12065-1149

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	118 ATLANTIC AVE, WESTERLY, RI 02891-4307
Document Number	2020-4000
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	118 ATLANTIC AVE WESTERLY RI 028914307, WESTERLY, RI 02891-4307

Mortgage

Document Number	2020-4000
Date	Jul 17, 2020
Book Page	002020/014000
Instrument	3241

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 16, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 118 Atlantic Ave was $13,611.

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	$13,611.00	$1,914,400 Land $1,217,800 Building $696,600	$2,108,236
2023	$13,602.00 (+0.63%)	$1,413,900 (-) Land $869,900 Building $544,000
2022	$13,517.00	$1,413,900 Land $869,900 Building $544,000

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

Flood

FEMA maps place 118 Atlantic Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 118 Atlantic Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 73 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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