245 Shore Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 245 Shore Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,972 sqft · built 1988
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Last Sale	$678,000 (Dec 2017)
Tax Bill	$7,850 (2025)
Deeds & Mortgages	Mar 2021 Refinance Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:131 B:28-B L`

Property Details

APN / Parcel Number

Primary APN	`M:131 B:28-B L`
Alternative APNs	`WEST M:131 B:28 L:B` `18023022`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,972 sqft Living Area
Gross Area	7,404 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,750 sqft (0.66 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	18023022
Street Address	245 SHORE RD
City	WESTERLY
State	RI
Zip	02891-3707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	28
Legal Lot Number	B
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2041
Census Tract	51000

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	245 SHORE RD, WESTERLY, RI 02891-3707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Oct 30, 2019	Deed of Trust, Mortgage · Line of Credit WESTERLY CMNTY CU
Dec 29, 2017	Warranty Deed, Transfer · Conventional Mortgage WESTERLY CMNTY CU
Dec 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Dec 23, 2014 · Amount on Record
Deed Document Number	20175730
Transfer Doc	5338
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	245 SHORE RD, WESTERLY, RI 02891-3707
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021-6771
Date	Mar 15, 2021
Book Page	2021/6771
Instrument	2021-1476

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	245 SHORE RD, WESTERLY, RI 02891-3707
Document Number	2019-8703
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 SHORE RD WESTERLY RI 028913707, WESTERLY, RI 02891-3707

Mortgage

Document Number	2019-8703
Date	Nov 4, 2019
Book Page	002019/018703
Instrument	4768

Lender

Name	WESTERLY CMNTY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 3, 2044

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 29, 2017
Property Address	245 SHORE RD, WESTERLY, RI 02891-3707
Document Number	2017-3270
Book / Page	002017 / 023270
Instrument Date	Dec 29, 2017
Instrument	5730
Transaction Type	Transfer
Record Updated	Jan 16, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$678.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	245 SHORE RD WESTERLY RI 028913707, WESTERLY, RI 02891-3707

Mortgage

Document Number	2017-3273
Date	Dec 29, 2017
Book Page	002017/023273
Instrument	5731

Lender

Name	WESTERLY CMNTY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 4, 2017
Property Address	245 SHORE RD, WESTERLY, RI 02891-3707
Document Number	2017-1611
Book / Page	002017 / 021611
Instrument Date	Oct 19, 2017
Instrument	5338
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 SHORE RD WESTERLY RI 028913707, WESTERLY, RI 02891-3707

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	$7,850.00 (+1.17%)	$1,104,100 (+36.88%) Land $291,800 Building $812,300	$1,490,331
2023	$7,759.00 (+0.62%)	$806,600 (-) Land $208,600 Building $598,000
2022	$7,711.00	$806,600 Land $208,600 Building $598,000

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 140 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	143 units insured incl. 3 condo units
Nearby Flood Claims	28 (1985–2021)
Claims Outside the SFHA	8 of 28
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Severe Storms And Flooding, Apr 2010 · 8 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	Direct burnable vegetation

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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Nearby Properties on Shore Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures