40 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 40 Cross St, Westerly, RI 02891 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1.5 Baths
Year Built	Built 1890
Square Footage	1,000 sqft Living Area
Lot Size	4,227 sqft (0.097 acres)
Occupancy	Owner Occupied
Last Sale	$450,000 (2025)
Tax Bill	$2,691.00 (2025)

Owner

Source: Westerly Town records · APN WEST M:77 B:49

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	40 CROSS ST, WESTERLY, RI 02891-2329
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Dec 01, 2015 · Amount on Record
Deed Book / Page	2025 / 15539
Record Refreshed	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Oct 30, 2025
Property Address	40 CROSS ST, WESTERLY, RI 02891-2329
Document Number	2025-15539
Book / Page	2025 / 15539
Instrument Date	Oct 27, 2025
Instrument	2025-3763
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020253764
Date	Oct 30, 2025
Instrument	2025-3764

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$2,691.00 (-6.17%)	$345,900 (+22.53%) Land $136,200 Building $209,700
2023	$2,868.00 (+0.6%)	$282,300 (-) Land $97,300 Building $185,000
2022	$2,851.00	$282,300 Land $97,300 Building $185,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C updated December 26, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`WEST M:77 B:49`
Alternative APNs	`M:077 B:49 L` `20027830`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	1,000 sqft Living Area
Gross Area	1,345 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional Style
Exterior Material	Wood Siding Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	4,227 sqft (0.097 acres)

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	20027830
Street Address	40 CROSS ST
City	WESTERLY
State	RI
Zip	02891-2329
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	49
Jurisdiction	WESTERLY RI
Minor Civil Division	WESTERLY
Census Blockgroup	3
Census Block	3003
Census Tract	50801