Westerly Town property record for 399 Atlantic Ave, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 3 ba · 1,764 sqft · built 2014 |
| Lot Size | 0.26 acres (11,307 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $21,421 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2023 Refinance |
| Flood Zone | Zone VE (high risk) |
| APN | WEST M:167 B:29 |
| Primary APN | WEST M:167 B:29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Living Area |
| Gross Area | 4,044 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,307 sqft (0.26 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 12185198 |
|---|---|
| Street Address | 399 ATLANTIC AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4332 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 29 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1080 |
| Census Tract | 51000 |
Source: Westerly Town records · APN WEST M:167 B:29
Assessment roll updated June 22, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 12 ROBINS WOOD WAY, SOUTH WINDSOR, CT 06074-2207 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2026 | Deed of Trust, Mortgage M & T BANK |
| Aug 03, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance WINDSOR FEDERAL SAVINGS AND LOAN ASSN |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 399 ATLANTIC AVE, WESTERLY, RI 02891-4332 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002026-945 |
|---|---|
| Date | Jan 21, 2026 |
| Book Page | 2026/945 |
| Instrument | 2026-198 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 399 ATLANTIC AVE, WESTERLY, RI 02891-4332 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023-10084 |
|---|---|
| Date | Aug 03, 2023 |
| Book Page | 2023/10084 |
| Instrument | 2023-2513 |
| Name | WINDSOR FEDERAL SAVINGS AND LOAN ASSN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $21,421.00 (+6.45%) | $3,012,800 (+44.02%) Land $2,555,400 Building $457,400 |
| 2023 | $20,124.00 (+0.63%) | $2,091,900 (-) Land $1,703,800 Building $388,100 |
| 2022 | $19,999.00 | $2,091,900 Land $1,703,800 Building $388,100 |
Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 456 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 506 units insured incl. 50 condo units |
| Nearby Flood Claims | 157 (1978–2024) |
| Claims Outside the SFHA | 22 of 157 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 86 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WESTERLY WATER DEPARTMENT serves 35,298 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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