Westerly Town property record for 45 2nd St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,916 sqft · built 2004 |
| Lot Size | 0.3 acres (13,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $950,000 (Mar 2020) |
| Tax Bill | $11,885 (2025) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | WEST M:165 B:240 |
| Primary APN | WEST M:165 B:240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,916 sqft Living Area |
| Gross Area | 5,340 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,049 sqft (0.3 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1089126 |
|---|---|
| Street Address | 45 2ND ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-5354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 240 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 51000 |
Source: Westerly Town records · APN WEST M:165 B:240
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 | 45 2ND ST, WESTERLY, RI 02891-5354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 03, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC |
| Dec 06, 2017 | Warranty Deed, Transfer · Conventional Mortgage BANK OF CANTON |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 03, 2020 · Amount on Record |
| Deed Sale | Mar 03, 2020 · Amount on Record |
| Prior Sale | Dec 06, 2017 · Amount on Record |
| Deed Document Number | 2020891 |
| Deed Book / Page | 2020 / 3714 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Mar 03, 2020 |
| Property Address | 45 2ND ST, WESTERLY, RI 02891-5354 |
| Document Number | 2020-3714 |
| Book / Page | 2020 / 3714 |
| Instrument Date | Mar 03, 2020 |
| Instrument | 2020-891 |
| Transaction Type | Transfer |
| Record Updated | Jun 04, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 163 WAWECUS HILL RD, BOZRAH, CT 06334-1530 |
| Document Number | 2020892 |
|---|---|
| Date | Mar 03, 2020 |
| Instrument | 2020-892 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Dec 06, 2017 |
| Property Address | 45 2ND ST, WESTERLY, RI 02891-5354 |
| Document Number | 2017-1723 |
| Book / Page | 002017 / 021723 |
| Instrument Date | Dec 06, 2017 |
| Instrument | 5367 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $675.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 MITCHELL AVE SCITUATE MA 020661623, SCITUATE, MA 02066-1623 |
| Document Number | 2017-1728 |
|---|---|
| Date | Dec 06, 2017 |
| Book Page | 002017/021728 |
| Instrument | 5368 |
| Name | BANK OF CANTON |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 05, 2047 |
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 | $11,885.00 (-3.2%) | $1,671,600 (+30.97%) Land $700,100 Building $971,500 |
| 2023 | $12,278.00 (+0.63%) | $1,276,300 (-) Land $500,600 Building $775,700 |
| 2022 | $12,201.00 | $1,276,300 Land $500,600 Building $775,700 |
Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.9% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: AT&T.
Based on FCC filings for 505 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WESTERLY WATER DEPARTMENT serves 35,298 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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