45 Noyes Neck Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 45 Noyes Neck Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1 ba · 1,252 sqft · built 1962
Lot Size	0.35 acres (15,225 sqft)
Owner	2 Individual Names on Record
Last Sale	$636,500 (May 2013)
Tax Bill	$14,044 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:144 B:37`

Property Details

APN / Parcel Number

Primary APN	`WEST M:144 B:37`
Alternative APNs	`M:144 B:37 L` `23010850`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,252 sqft Living Area
Gross Area	2,118 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,225 sqft (0.35 acres)

Location & Zoning

Account Number	23010850
Street Address	45 NOYES NECK RD
City	WESTERLY
State	RI
Zip	02891-4505
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	37
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2026
Census Tract	51000

Owner

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	2 Individual Names on Record
Mailing Address	280 BITTERSWEET FARM WAY, WAKEFIELD, RI 02879-2759
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · ARM
Feb 6, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Mar 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2013 · Amount on Record
Deed Sale	May 31, 2013 · Amount on Record
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Recording Date	May 1, 2026
Property Address	45 NOYES NECK RD, WESTERLY, RI 02891-4505
Document Number	02026-6428
Book / Page	2026 / 6428
Instrument Date	May 1, 2026
Instrument	20261395
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 NOYES NECK RD, WESTERLY, RI 02891-4505
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001395,
Date	May 1, 2026
Book Page	2026/6428
Instrument	20261395

Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Type Change Date	May 1, 2034
Index	1-Month LIBOR
Margin	3
Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 NOYES NECK RD, WESTERLY, RI 02891-4505
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017-2320
Date	Feb 6, 2017
Book Page	2017/2320
Instrument	562

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 NOYES NECK RD, WESTERLY, RI 02891-4505
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021-7077
Date	Mar 17, 2021
Book Page	2021/7077
Instrument	2021-1561

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	Assessed Market Value
2025	$14,044.00 (+42.36%)	$1,975,300 (+92.62%) Land $1,731,300 Building $244,000	$1,892,429
2023	$9,865.00 (+0.62%)	$1,025,500 (-) Land $899,500 Building $126,000
2022	$9,804.00	$1,025,500 Land $899,500 Building $126,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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 94% of the US · lower than 83% 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.

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 158 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

Cell Coverage

5G (outdoors only) and 4G LTE

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