Westerly Town property record for 45 Gounod Rd, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,508 sqft · built 2023 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Apr 2022) |
| Tax Bill | $11,783 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Dec 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:135 B:32 |
| Primary APN | WEST M:135 B:32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,508 sqft Living Area |
| Gross Area | 5,996 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,000 sqft (0.459 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 8059008 |
|---|---|
| Street Address | 45 GOUNOD RD |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 32 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 51000 |
Source: Westerly Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 45 GOUNOD RD, WESTERLY, RI 02891-4633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2025 | Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK |
| Dec 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Apr 29, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHPOINTE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on Record |
| Deed Sale | Apr 29, 2022 · Amount on Record |
| Prior Sale | Dec 30, 2002 · Amount on Record |
| Deed Book / Page | 2022 / 8268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 45 GOUNOD RD, WESTERLY, RI 02891-4633 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025-12513 |
|---|---|
| Date | Sep 9, 2025 |
| Book Page | 2025/12513 |
| Instrument | 2025-2991 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 45 GOUNOD RD, WESTERLY, RI 02891-4633 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2023-17012 |
|---|---|
| Date | Dec 22, 2023 |
| Book Page | 2023/17012 |
| Instrument | 2023-4249 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 29, 2022 |
| Property Address | 45 GOUNOD RD, WESTERLY, RI 02891-4633 |
| Document Number | 02022-8268 |
| Book / Page | 2022 / 8268 |
| Instrument Date | Apr 28, 2022 |
| Instrument | 2022-1945 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 8TH AVE, SCENIC HEIGHTS, NJ |
| Document Number | 0020221946 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022-1946 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,783.00 (+247.99%) | $1,657,300 (+370.82%) Land $708,400 Building $948,900 | $1,671,463 |
| 2023 | $3,386.00 (+0.62%) | $352,000 (-) Land $352,000 | |
| 2022 | $3,365.00 | $352,000 Land $352,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 140 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 143 units insured incl. 3 condo units |
| Nearby Flood Claims | 28 (1985–2021) |
| Claims Outside the SFHA | 8 of 28 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SHADY HARBOR FIRE DISTRICT private · serves 300 people · EPA ID RI1559513 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2023 |
| Also Mapped Here | WESTERLY WATER DEPARTMENT |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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