45 Haversham Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 45 Haversham Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 4.5 ba · 4,760 sqft · built 2021
Lot Size	1.97 acres (86,136 sqft)
Owner	Company Name on Record
Last Sale	$1,200,000 (Dec 2015)
Tax Bill	$57,082 (2025)
Deeds & Mortgages	Feb 2026 Sale Dec 2020 Mortgage + 2 more
Flood Zone	Zone VE (high risk)
APN	`M:145 B:11-A L`

Property Details

APN / Parcel Number

Primary APN	`M:145 B:11-A L`
Alternative APNs	`WEST M:145 B:11 L:A` `20170057`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,760 sqft Living Area
Gross Area	9,875 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	86,136 sqft (1.97 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	20170057
Street Address	45 HAVERSHAM RD
City	WESTERLY
State	RI
Zip	02891-4603
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	11
Legal Lot Number	A
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2020
Census Tract	51000

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	Company Name on Record
Mailing Address	45 HAVERSHAM RD, WESTERLY, RI 02891-4603
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Warranty Deed, Transfer
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEBSTER BK
Nov 16, 2017	Deed of Trust, Mortgage EASTERN BK
Sep 28, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2015 · Amount on Record
Deed Sale	Dec 15, 2015 · Amount on Record
Prior Sale	Oct 31, 2006 · Amount on Record
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Feb 9, 2026
Property Address	45 HAVERSHAM RD, WESTERLY, RI 02891-4603
Document Number	02026-1865
Book / Page	2026 / 1865
Instrument Date	Feb 5, 2026
Instrument	2026-414
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 HAVERSHAM RD, WESTERLY, RI 02891-4603
Document Number	2020-8191
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 1/2 HAVERSHAM RD WESTERLY RI 02891, WESTERLY, RI 02891

Mortgage

Document Number	2020-8191
Date	Dec 15, 2020
Book Page	002020/028191
Instrument	6447

Lender

Name	WEBSTER BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	384 Months
Due	Dec 14, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 HAVERSHAM RD, WESTERLY, RI 02891-4603
Document Number	2017-333
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HAVERSHAM RD WESTERLY RI 028914603, WESTERLY, RI 02891-4603

Mortgage

Document Number	2017-333
Date	Nov 16, 2017
Book Page	002017/020333
Instrument	5077

Lender

Name	EASTERN BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.99%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 28, 2017
Property Address	45 HAVERSHAM RD, WESTERLY, RI 02891-4603
Document Number	2017-7208
Book / Page	002017 / 017208
Instrument Date	Sep 27, 2017
Instrument	4244
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HAVERSHAM RD WESTERLY RI 028914603, WESTERLY, RI 02891-4603

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	$57,082.00 (+7.18%)	$8,028,400 (+45.01%) Land $4,434,800 Building $3,593,600
2023	$53,259.00 (+42.42%)	$5,536,300 (+41.54%) Land $3,179,800 Building $2,356,500
2022	$37,395.00	$3,911,600 Land $3,179,800 Building $731,800

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Hurricane Sandy, Oct 2012 · 14 claims Severe Storms And Flooding, Apr 2010 · 8 claims

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 93% of the US · lower than 77% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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