Westerly Town property record for 446 Atlantic Ave, Westerly, RI 02891 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,247 sqft · built 1971 |
| Lot Size | 0.38 acres (16,534 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,150,000 (Jan 2025) |
| Tax Bill | $8,628 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Jun 2025 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | M:154 B:5-A L |
| Primary APN | M:154 B:5-A L |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,247 sqft Living Area |
| Gross Area | 3,260 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,534 sqft (0.38 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 8051587 |
|---|---|
| Street Address | 446 ATLANTIC AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 5 |
| Legal Lot Number | A |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 51000 |
Source: Westerly Town records · APN M:154 B:5-A L
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 | Company Name on File |
|---|---|
| Mailing Address | 446 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 26, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME EMPOWERMENT LLC |
| Jun 03, 2025 | Deed of Trust, Mortgage RFLF 4 LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 31, 2025 · Amount on Record |
| Deed Sale | Jan 31, 2025 · Amount on Record |
| Deed Document Number | 20252025-325 |
| Deed Book / Page | 2025 / 1265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 446 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2025-18622 |
|---|---|
| Date | Dec 26, 2025 |
| Book Page | 2025/18622 |
| Instrument | 2025-4504 |
| Name | HOME EMPOWERMENT LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 446 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02025-7088 |
|---|---|
| Date | Jun 03, 2025 |
| Book Page | 2025/7088 |
| Instrument | 2025-1698 |
| Name | RFLF 4 LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Jul 01, 2055 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,628.00 (+2.49%) | $1,213,500 (+38.67%) Land $942,300 Building $271,200 |
| 2023 | $8,418.00 (+1.14%) | $875,100 (+0.52%) Land $674,700 Building $200,400 |
| 2022 | $8,323.00 | $870,600 Land $674,700 Building $195,900 |
Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090510001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 456 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 506 units insured 50 under condo master policies |
| Nearby Flood Claims | 157 (1978–2024) |
| Claims Outside the SFHA | 22 of 157 |
| Most Recent Claim | Jan 2024, rainfall accumulation, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 5% of the US · above 17% of Rhode Island |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 86 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cox Communications | Cable | 2,000 / 35 |
| Verizon | Fiber | 980 / 880 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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