25 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 25 Cross St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,112 sqft · built 1920
Lot Size	0.208 acres (9,049 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (May 2012)
Tax Bill	$3,340 (2025)
Deeds & Mortgages	Apr 2023 Refinance Feb 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WEST M:76 B:103`

Property Details

APN / Parcel Number

Primary APN	`WEST M:76 B:103`
Alternative APNs	`M:076 B:103 L` `18160623`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	4,284 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,049 sqft (0.208 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	18160623
Street Address	25 CROSS ST
City	WESTERLY
State	RI
Zip	02891-2336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	103
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3008
Census Tract	50801

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	25 CROSS ST, WESTERLY, RI 02891-2336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GREENWOOD CU
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GREENWOOD CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2012 · Amount on Record
Deed Sale	May 30, 2012 · Amount on Record
Prior Sale	Sep 30, 1991 · Amount on Record
Deed Book / Page	1922 / 197
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	25 CROSS ST, WESTERLY, RI 02891-2336
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023-4703
Date	Apr 19, 2023
Book Page	2023/4703
Instrument	2023-1199

Lender

Name	GREENWOOD CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2043

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	25 CROSS ST, WESTERLY, RI 02891-2336
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-2690
Date	Feb 8, 2022
Book Page	2022/2690
Instrument	2022-635

Lender

Name	GREENWOOD CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$3,340.00 (+4.54%)	$429,300 (+36.5%) Land $160,300 Building $269,000	$581,402
2023	$3,195.00 (+0.6%)	$314,500 (-) Land $114,800 Building $199,700
2022	$3,176.00	$314,500 Land $114,800 Building $199,700

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	1 in force
Nearby Flood Claims	1 (1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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 96% of the US · lower than 88% of Rhode Island
Wildfire Likelihood	Under 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 361 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

May also be available: AT&T, Breezeline, Frontier, Xfinity.

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