131 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 131 Cross St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,010 sqft · built 1972
Lot Size	0.248 acres (10,800 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Nov 2022)
Tax Bill	$2,822 (2025)
Deeds & Mortgages	Jan 2023 Sale Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:78 B:45`

Property Details

APN / Parcel Number

Primary APN	`WEST M:78 B:45`
Alternative APNs	`M:078 B:45 L` `20149155`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,010 sqft Living Area
Gross Area	1,764 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	20149155
Street Address	131 CROSS ST
City	WESTERLY
State	RI
Zip	02891-2446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	45
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2046
Census Tract	50901

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	131 CROSS ST, WESTERLY, RI 02891-2446
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Warranty Deed, Transfer
Nov 22, 2022	Warranty Deed, Transfer
Mar 25, 2019	Deed of Trust, Mortgage · Balloon Mortgage WESTERLY COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	May 22, 2008 · Amount on Record
Deed Document Number	202219985
Deed Book / Page	1632 / 40
Transfer Doc	4130
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jan 13, 2023
Property Address	131 CROSS ST, WESTERLY, RI 02891-2446
Document Number	002023-421
Book / Page	2023 / 421
Instrument Date	Jan 10, 2023
Instrument	2023-110
Transaction Type	Transfer
Record Updated	Jan 27, 2023

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	160 BABCOCK RD, NORTH SMITH, CT

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 22, 2022
Property Address	131 CROSS ST, WESTERLY, RI 02891-2446
Document Number	0001632-40
Book / Page	1632 / 40
Instrument Date	Nov 21, 2022
Instrument	2022-19985
Transaction Type	Transfer
Record Updated	Dec 1, 2022

Transaction

Amount	Amount Recorded
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
Address	160 BABCOCK RD, N STONINGTON, CT 06359-1334

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	131 CROSS ST, WESTERLY, RI 02891-2446
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019-4472
Date	Mar 25, 2019
Book Page	2019/4472
Instrument	2019-1134

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2044

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	$2,822.00 (-4.92%)	$362,700 (+24.17%) Land $164,500 Building $198,200	$446,841
2023	$2,968.00 (+0.61%)	$292,100 (-) Land $117,500 Building $174,600
2022	$2,950.00	$292,100 Land $117,500 Building $174,600

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
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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