130 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 130 Cross St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 2010
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$199,900 (Sep 2010)
Tax Bill	$2,813 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:78 B:38`

Property Details

APN / Parcel Number

Primary APN	`WEST M:78 B:38`
Alternative APNs	`M:078 B:38 L` `14041648`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,256 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	14041648
Street Address	130 CROSS ST
City	WESTERLY
State	RI
Zip	02891-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	38
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2033
Census Tract	50901

Owner

Source: Westerly Town records, as of June 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	130 CROSS ST, WESTERLY, RI 02891-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Feb 3, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2010 · Amount on Record
Deed Sale	Sep 7, 2010 · Amount on Record
Deed Book / Page	1872 / 839
Last Transfer Date	Dec 18, 2020
Transfer Doc	2021-2935
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	130 CROSS ST, WESTERLY, RI 02891-2406
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02026-1269
Date	Jan 27, 2026
Book Page	2026/1269
Instrument	2026-273

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	130 CROSS ST, WESTERLY, RI 02891-2406
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02021-2942
Date	Feb 3, 2021
Book Page	2021/2942
Instrument	2021-660

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Feb 3, 2021
Property Address	130 CROSS ST, WESTERLY, RI 02891-2406
Document Number	02021-2935
Book / Page	2021 / 2935
Instrument Date	Dec 18, 2020
Instrument	2021-659
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	130 CROSS ST, WESTERLY, RI 02891-2406
Investor	Possibly a Property Investor

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
2025	$2,813.00 (-1.82%)	$361,600 (+28.23%) Land $139,800 Building $221,800
2023	$2,865.00 (+0.6%)	$282,000 (-) Land $99,800 Building $182,200
2022	$2,848.00	$282,000 Land $99,800 Building $182,200

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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