4 Montrose Ct, Westerly, RI 02891 Property Records

Westerly Town property record for 4 Montrose Ct, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,616 sqft · built 1995
Lot Size	1.12 acres (49,166 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Jun 2022)
Tax Bill	$4,381 (2025)
Deeds & Mortgages	Sep 2024 Refinance Feb 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:110 B:42 L:1`

Property Details

APN / Parcel Number

Primary APN	`WEST M:110 B:42 L:1`
Alternative APN	`4048820`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,616 sqft Living Area
Gross Area	3,432 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,166 sqft (1.12 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4048820
Street Address	4 MONTROSE CT
City	WESTERLY
State	RI
Zip	02891-2669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	42
Legal Lot Number	1
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2027
Census Tract	50901

Owner

4 Montrose Ct is owned and occupied by two individuals who acquired it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 MONTROSE CT, WESTERLY, RI 02891-2669
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
Sep 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Feb 27, 2023	Warranty Deed, Transfer
Jun 16, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
May 18, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage D JOSEPH DAMICO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on File
Deed Sale	Jun 16, 2022 · Amount on File
Prior Sale	May 18, 2021 · Amount on File
Deed Book / Page	2022 / 11274
Last Transfer Date	Feb 4, 2023
Transfer Doc	02023-2076
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	4 MONTROSE CT, WESTERLY, RI 02891-2669
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024-12875
Date	Sep 30, 2024
Book Page	2024/12875
Instrument	2024-3281

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2049

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Feb 27, 2023
Property Address	4 MONTROSE CT, WESTERLY, RI 02891-2669
Document Number	02023-2076
Book / Page	2023 / 2076
Instrument Date	Feb 4, 2023
Instrument	2023-531
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jun 16, 2022
Property Address	4 MONTROSE CT, WESTERLY, RI 02891-2669
Document Number	2022-11274
Book / Page	2022 / 11274
Instrument Date	Jun 15, 2022
Instrument	2022-2655
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	4 MONTROSE CT, WESTERLY, RI 02891-2669

Mortgage

Document Number	0020222656
Date	Jun 16, 2022
Instrument	2022-2656

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	May 18, 2021
Property Address	4 MONTROSE CT, WESTERLY, RI 02891-2669
Document Number	2021-13637
Book / Page	2021 / 13637
Instrument Date	May 18, 2021
Instrument	2021-2983
Transaction Type	Transfer
Record Updated	May 28, 2021

Transaction

Amount	Amount on Record
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	1 WHOLESALE WAY, CRANSTON, RI 02920-5562

Mortgage

Document Number	20212984
Date	May 18, 2021
Instrument	2021-2984

Lender

Name	D JOSEPH DAMICO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 Montrose Ct was $4,381.

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	$4,381.00	$616,200 Land $221,400 Building $394,800	$641,986
2023	$4,750.00 (+0.61%)	$493,800 (-) Land $152,200 Building $341,600
2022	$4,721.00	$493,800 Land $152,200 Building $341,600

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

Flood

FEMA maps place 4 Montrose Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
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

Wildfire risk around 4 Montrose Ct 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	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 57 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

Cell Coverage

5G (outdoors only) and 4G LTE

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