132 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 132 Cross St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1983
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Apr 2020)
Tax Bill	$2,371 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:78 B:39`

Property Details

APN / Parcel Number

Primary APN	`WEST M:78 B:39`
Alternative APNs	`M:078 B:39 L` `23145626`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	804 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	23145626
Street Address	132 CROSS ST
City	WESTERLY
State	RI
Zip	02891-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	39
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2033
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	Individual Name on Record
Mailing Address	132 CROSS ST, WESTERLY, RI 02891-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit
Apr 14, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK
Sep 19, 2019	Trustee's Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2020 · Amount on Record
Deed Sale	Apr 14, 2020 · Amount on Record
Prior Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	20201545
Deed Book / Page	2020 / 6630
Transfer Doc	1911-661
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	Jun 30, 2026
Property Address	132 CROSS ST, WESTERLY, RI 02891-2406
Document Number	0000002185
Book / Page	2026 / 10037
Instrument Date	Jun 6, 2026
Instrument	20262185
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 CROSS ST, WESTERLY, RI 02891-2406

Mortgage

Document Number	0000002185,
Date	Jun 30, 2026
Book Page	2026/10037
Instrument	20262185

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 14, 2020
Property Address	132 CROSS ST, WESTERLY, RI 02891-2406
Document Number	2020-6630
Book / Page	2020 / 6630
Instrument Date	Apr 14, 2020
Instrument	2020-1545
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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
Address	132 CROSS ST, WESTERLY, RI 02891-2406

Mortgage

Document Number	20201546
Date	Apr 14, 2020
Instrument	2020-1546

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 19, 2019
Property Address	132 CROSS ST, WESTERLY, RI 02891-2406
Document Number	2019-5728
Book / Page	002019 / 015728
Instrument Date	Sep 16, 2019
Instrument	3972
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 NEOWAM AVE WESTERLY RI 028915718, WESTERLY, RI 02891-5718

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	$2,371.00 (+6.99%)	$304,700 (+39.71%) Land $164,500 Building $140,200	$410,179
2023	$2,216.00 (+0.59%)	$218,100 (-) Land $117,500 Building $100,600
2022	$2,203.00	$218,100 Land $117,500 Building $100,600

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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