Westerly Town property record for 438 Atlantic Ave, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,797 sqft · built 2012 |
| Lot Size | 0.35 acres (15,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,441 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | WEST M:154 B:3 |
| Primary APN | WEST M:154 B:3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,797 sqft Living Area |
| Gross Area | 3,825 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,227 sqft (0.35 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 20084078 |
|---|---|
| Street Address | 438 ATLANTIC AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4336 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 3 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 51000 |
438 Atlantic Ave, a residential property, is owned and occupied by two individuals who acquired it in July 2026.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 17, 2026 |
| Transfer Doc | 0000002673 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 6, 2026 |
| Property Address | 438 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Document Number | 0000002673 |
| Book / Page | 2026 / 12121 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 20262673 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 438 Atlantic Ave was $9,441.
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 | $9,441.00 | $1,327,800 Land $941,200 Building $386,600 | $1,311,510 |
| 2023 | $9,830.00 (+0.63%) | $1,021,800 (-) Land $673,600 Building $348,200 | |
| 2022 | $9,768.00 | $1,021,800 Land $673,600 Building $348,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 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 | 12.0 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 |
|
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 risk around 438 Atlantic Ave is low, with less than 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 94% of the US · lower than 83% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 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.
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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