298 Shore Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 298 Shore Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,345 sqft · built 1920
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Dec 2018)
Tax Bill	$3,632 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:132 B:50`

Property Details

APN / Parcel Number

Primary APN	`WEST M:132 B:50`
Alternative APNs	`M:132 B:50 L` `12108700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,345 sqft Living Area
Gross Area	2,618 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	12108700
Street Address	298 SHORE RD
City	WESTERLY
State	RI
Zip	02891-3949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	50
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3000
Census Tract	50902

Owner

298 Shore Rd is owned and occupied by two individuals who bought it in December 2018.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	298 SHORE RD, WESTERLY, RI 02891-3949
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2017	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Sep 4, 2020	Deed of Trust, Mortgage · Conventional with PMI SEACOAST MTG
Dec 7, 2018	Executor's Deed, Transfer · Conventional with PMI SEACOAST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on File
Deed Sale	Dec 7, 2018 · Amount on File
Prior Sale	Jun 28, 2002 · Amount on File
Deed Document Number	20185187
Deed Book / Page	2018 / 21062
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	298 SHORE RD, WESTERLY, RI 02891-3949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017-527
Date	Jan 9, 2017
Book Page	2017/527
Instrument	112

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	298 SHORE RD, WESTERLY, RI 02891-3949
Document Number	2020-8467
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 SHORE RD WESTERLY RI 028913949, WESTERLY, RI 02891-3949

Mortgage

Document Number	2020-8467
Date	Sep 10, 2020
Book Page	002020/018467
Instrument	4250

Lender

Name	SEACOAST MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

December 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 7, 2018
Property Address	298 SHORE RD, WESTERLY, RI 02891-3949
Document Number	2018-1062
Book / Page	002018 / 021062
Instrument Date	Dec 6, 2018
Instrument	5187
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 SHORE RD WESTERLY RI 028913949, WESTERLY, RI 02891-3949

Mortgage

Document Number	2018-1065
Date	Dec 7, 2018
Book Page	002018/021065
Instrument	5188

Lender

Name	SEACOAST MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 298 Shore Rd was $3,632.

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	$3,632.00	$510,900 Land $261,200 Building $249,700	$577,634
2023	$3,823.00 (+0.63%)	$397,400 (-) Land $186,600 Building $210,800
2022	$3,799.00	$397,400 Land $186,600 Building $210,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 298 Shore Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (2009–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Wildfire risk around 298 Shore Rd is low, with a 0.01% annual chance of 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 207 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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