Westerly Town property record for 45 Cove Rd, Westerly, RI 02891 · Last verified June 2026
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 4 bd · 2 ba · 3,024 sqft · built 1920 |
| Lot Size | 0.34 acres (14,792 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,150,000 (Jul 2021) |
| Tax Bill | $9,247 (2025) |
| Deeds & Mortgages | Sep 2021 Transfer Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | WEST M:142 B:27 |
| Primary APN | WEST M:142 B:27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 3 Stories |
| Building Area | 3,024 sqft Living Area |
| Gross Area | 5,526 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,792 sqft (0.34 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 6033611 |
|---|---|
| Street Address | 45 COVE RD |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4440 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 27 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 51000 |
Source: Westerly Town records · APN WEST M:142 B:27
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 | 20 STANFORD DR, HINGHAM, MA 02043-4850 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Sep 27, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Jul 02, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 30, 2017 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 02, 2021 · Amount on Record |
| Deed Sale | Jul 02, 2021 · Amount on Record |
| Prior Sale | Oct 17, 2013 · Amount on Record |
| Deed Document Number | 20213937 |
| Deed Book / Page | 2021 / 17546 |
| Transfer Doc | 1861-737 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 27, 2021 |
| Property Address | 45 COVE RD, WESTERLY, RI 02891-4440 |
| Document Number | 2021-24235 |
| Book / Page | 2021 / 24235 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2021-5424 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 STANFORD DR, HINGHAM, MA 02043-4850 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 02, 2021 |
| Property Address | 45 COVE RD, WESTERLY, RI 02891-4440 |
| Document Number | 2021-17546 |
| Book / Page | 2021 / 17546 |
| Instrument Date | Jul 02, 2021 |
| Instrument | 2021-3937 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| 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 | 20 STANFORD DR, HINGHAM, MA 02043-4850 |
| Document Number | 0020213938 |
|---|---|
| Date | Jul 02, 2021 |
| Instrument | 2021-3938 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 45 COVE RD, WESTERLY, RI 02891-4440 |
| Document Number | 2017-64 |
| Instrument Date | May 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 90 SW PEPPER TREE LN TOPEKA KS 666112073, TOPEKA, KS 66611-2073 |
| Document Number | 2017-64 |
|---|---|
| Date | Jun 07, 2017 |
| Book Page | 002017/010064 |
| Instrument | 2461 |
| Name | COMMUNITY BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 06, 2022 |
| Rate Type | Adjustable Rate |
|---|
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 | $9,247.00 (+2.8%) | $1,300,500 (+39.09%) Land $408,000 Building $892,500 |
| 2023 | $8,995.00 (+1.85%) | $935,000 (+1.2%) Land $292,100 Building $642,900 |
| 2022 | $8,832.00 | $923,900 Land $292,100 Building $631,800 |
Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090510002, 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 X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 140 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 143 units insured (3 under condo master policies) 64 of 140 individual policies on primary residences |
| Nearby Flood Claims | 28 (1985–2021) |
| Claims Outside the SFHA | 8 of 28 |
| Most Recent Claim | Sep 2021, rainfall accumulation |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
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