Westerly Town property record for 408 Atlantic Ave, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2 ba · 1,828 sqft · built 1987 |
| Lot Size | 1.12 acres (48,768 sqft) |
| Owner | Individual Name on File |
| Last Sale | $620,000 (Jul 2017) |
| Tax Bill | $11,225 (2025) |
| Deeds & Mortgages | May 2021 Refinance Apr 2018 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | WEST M:167 B:59 |
| Primary APN | WEST M:167 B:59 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,828 sqft Living Area |
| Gross Area | 4,586 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,768 sqft (1.12 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 8080575 |
|---|---|
| Street Address | 408 ATLANTIC AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4336 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 59 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 51000 |
408 Atlantic Ave, a residential property, is owned by an individual who bought it in July 2017.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 CLUBHOUSE RD, LEBANON, CT 06249-1611 |
| 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.
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance JEWETT CITY SAVINGS BANK |
| Apr 4, 2018 | Deed of Trust, Mortgage JEWETT CITY SVGS BK |
| Sep 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JEWETT CTY SVGS BK |
| Jul 5, 2017 | Trustee's Deed, Transfer JEWETT CTY SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2017 · Amount on File |
| Deed Sale | Jul 5, 2017 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 408 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2021-12370 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 2021/12370 |
| Instrument | 2021-2680 |
| Name | JEWETT CITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 408 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018-5052 |
|---|---|
| Date | Apr 4, 2018 |
| Book Page | 2018/5052 |
| Instrument | 1279 |
| Name | JEWETT CITY SVGS BK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Apr 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 408 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Document Number | 2019-4972 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 474 TOBACCO ST LEBANON CT 062491626, LEBANON, CT 06249-1626 |
| Document Number | 2019-4972 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 002019/014972 |
| Instrument | 3792 |
| Name | JEWETT CTY SVGS BK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 9, 2034 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 5, 2017 |
| Property Address | 408 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Document Number | 2017-2100 |
| Book / Page | 002017 / 012100 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 2944 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 ATLANTIC AVE WESTERLY RI 028914336, WESTERLY, RI 02891-4336 |
| Document Number | 2017-2104 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 002017/012104 |
| Instrument | 2946 |
| Name | JEWETT CTY SVGS BK |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 4, 2047 |
The 2025 property tax bill for 408 Atlantic Ave was $11,225.
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,225.00 | $1,578,800 Land $1,212,800 Building $366,000 | $1,734,943 |
| 2023 | $9,089.00 (+0.84%) | $944,800 (+0.21%) Land $677,600 Building $267,200 | |
| 2022 | $9,013.00 | $942,800 Land $677,600 Building $265,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 Atlantic Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | RI-13P “Misquamicut Beach” |
| Unit Type | Otherwise Protected Area |
| NFIP Eligibility | Limited only for structures consistent with the area's protected purpose |
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.
The area around 408 Atlantic Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 86 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 |
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