45 Ann St, Westerly, RI 02891 Property Records

Westerly Town property record for 45 Ann St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,620 sqft · built 1973
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,156 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:37 B:20`

Property Details

APN / Parcel Number

Primary APN	`WEST M:37 B:20`
Alternative APNs	`M:037 B:20 L` `19104425`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,620 sqft Living Area
Gross Area	3,110 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	12,800 sqft (0.294 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19104425
Street Address	45 ANN ST
City	WESTERLY
State	RI
Zip	02891-1676
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	20
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1024
Census Tract	50801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North End Historic District listed 2006 · 296 contributing resources · NRIS 06000298

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Westerly Town records, as of June 22, 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	45 ANN ST, WESTERLY, RI 02891-1676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · ARM CHARTER OAK FCU
Oct 31, 2022	Warranty Deed, Transfer
Mar 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERLY COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 27, 2022
Transfer Doc	2022-18571
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 ANN ST, WESTERLY, RI 02891-1676
Transaction Type	Mortgage
Record Updated	Apr 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02024-2879
Date	Mar 22, 2024
Book Page	2024/2879
Instrument	2024-809

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2031
Index	1-Year CMT

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Oct 31, 2022
Property Address	45 ANN ST, WESTERLY, RI 02891-1676
Document Number	2022-18571
Book / Page	2022 / 18571
Instrument Date	Oct 27, 2022
Instrument	2022-4506
Transaction Type	Transfer
Record Updated	Nov 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ANN ST, WESTERLY, RI 02891-1676

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 ANN ST, WESTERLY, RI 02891-1676
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019-4663
Date	Mar 29, 2019
Book Page	2019/4663
Instrument	2019-1203

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,156.00 (+8.19%)	$405,700 (+41.31%) Land $144,800 Building $260,900
2023	$2,917.00 (+0.59%)	$287,100 (-) Land $103,500 Building $183,600
2022	$2,900.00	$287,100 Land $103,500 Building $183,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Breezeline, Frontier, Xfinity.

Nearby Properties on Ann St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures