Westerly Town property record for 425 Atlantic Ave, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,742 sqft · built 1985 |
| Lot Size | 0.29 acres (12,614 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,875,880 (Apr 2024) |
| Tax Bill | $22,411 (2025) |
| Deeds & Mortgages | Apr 2024 Transfer Apr 2024 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | WEST M:167 B:15 |
| Primary APN | WEST M:167 B:15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,742 sqft Living Area |
| Gross Area | 5,090 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 12,614 sqft (0.29 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 12150049 |
|---|---|
| Street Address | 425 ATLANTIC AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4333 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 15 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1080 |
| Census Tract | 51000 |
Source: Westerly Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10 FAIRWAY DR, STAMFORD, CT 06903-1422 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 19, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Apr 19, 2024 | Warranty Deed, Transfer · ARM EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2024 · Amount on Record |
| Deed Sale | Apr 19, 2024 · Amount on Record |
| Prior Sale | Aug 5, 2011 |
| Deed Book / Page | 2024 / 4282 |
| Prior Transfer Date | Apr 10, 2024 |
| Prior Transfer Doc | 02024-4282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 19, 2024 |
| Property Address | 425 ATLANTIC AVE, WESTERLY, RI 02891-4333 |
| Document Number | 02024-4289 |
| Book / Page | 2024 / 4289 |
| Instrument Date | Apr 19, 2024 |
| Instrument | 2024-1165 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10 FAIRWAY DR, STAMFORD, CT 06903-1422 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 19, 2024 |
| Property Address | 425 ATLANTIC AVE, WESTERLY, RI 02891-4333 |
| Document Number | 02024-4282 |
| Book / Page | 2024 / 4282 |
| Instrument Date | Apr 10, 2024 |
| Instrument | 2024-1164 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 FAIRWAY DR, STAMFORD, CT 06903-1422 |
| Document Number | 0020241166 |
|---|---|
| Date | Apr 19, 2024 |
| Instrument | 2024-1166 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | May 1, 2031 |
| Index | Other |
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 | $22,411.00 (+8.51%) | $3,152,000 (+46.82%) Land $2,564,500 Building $587,500 | $2,698,693 |
| 2023 | $20,653.00 (+0.63%) | $2,146,900 (-) Land $1,712,900 Building $434,000 | |
| 2022 | $20,524.00 | $2,146,900 Land $1,712,900 Building $434,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
|
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: 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: 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 |
| 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.
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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