Westerly Town property record for 45 Cross St, Westerly, RI 02891 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,878 sqft · built 1954 |
| Lot Size | 0.158 acres (6,871 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Oct 2025) |
| Tax Bill | $3,265 (2025) |
| Deeds & Mortgages | Mar 2023 Refinance Dec 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:77 B:85 |
| Primary APN | WEST M:77 B:85 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,878 sqft Living Area |
| Gross Area | 3,451 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,871 sqft (0.158 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 20157993 |
|---|---|
| Street Address | 45 CROSS ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-2334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 85 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 50802 |
Source: Westerly Town records · APN WEST M:77 B:85
Assessment roll updated June 22, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 5 SPRUCE ST, WESTERLY, RI 02891-6815 |
| Owner Type | Individual |
| Vesting | Married Person |
| Date | Document |
|---|---|
| Mar 03, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Dec 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jun 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Oct 31, 2025 | Warranty Deed, Transfer CHELSEA GROTON BANK |
| Feb 11, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on Record |
| Deed Sale | Oct 31, 2025 · Amount on Record |
| Prior Sale | Jan 22, 1993 · Amount on Record |
| Deed Document Number | 20253814 |
| Deed Book / Page | 2025 / 15791 |
| Prior Transfer Date | Feb 07, 2020 |
| Prior Transfer Doc | 2020-2217 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 45 CROSS ST, WESTERLY, RI 02891-2334 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02023-2268 |
|---|---|
| Date | Mar 03, 2023 |
| Book Page | 2023/2268 |
| Instrument | 2023-580 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 45 CROSS ST, WESTERLY, RI 02891-2334 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2021-31550 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 2021/31550 |
| Instrument | 2021-6984 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 133 Months |
| Due | Jan 01, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 45 CROSS ST, WESTERLY, RI 02891-2334 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02023-8645 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 2023/8645 |
| Instrument | 2023-2351 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Oct 31, 2025 |
| Property Address | 45 CROSS ST, WESTERLY, RI 02891-2334 |
| Document Number | 2025-15791 |
| Book / Page | 2025 / 15791 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 2025-3814 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| 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 | 5 SPRUCE ST, WESTERLY, RI 02891-6815 |
| Document Number | 0020253815 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 2025-3815 |
| Name | CHELSEA GROTON BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Feb 11, 2020 |
| Property Address | 45 CROSS ST, WESTERLY, RI 02891-2334 |
| Document Number | 2020-2217 |
| Book / Page | 002020 / 002217 |
| Instrument Date | Feb 07, 2020 |
| Instrument | 545 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 CROSS ST WESTERLY RI 028912334, WESTERLY, RI 02891-2334 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified July 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 | $3,265.00 (-2.68%) | $419,700 (+27.1%) Land $152,000 Building $267,700 |
| 2023 | $3,355.00 (+0.6%) | $330,200 (-) Land $108,600 Building $221,600 |
| 2022 | $3,335.00 | $330,200 Land $108,600 Building $221,600 |
Source: FEMA National Flood Hazard Layer, County delivery 44009C updated December 26, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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