45 Vars Ln, Bradford, RI 02808 Property Records

Westerly Town property record for 45 Vars Ln, Bradford, RI 02808

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,925 sqft · built 1914
Lot Size	1.42 acres (62,234 sqft)
Owner	Individual Name on File
Tax Bill	$2,319 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEST M:22 B:13`

Property Details

APN / Parcel Number

Primary APN	`WEST M:22 B:13`
Alternative APNs	`M:022 B:13 L` `13112551`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,925 sqft Living Area
Gross Area	3,723 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	62,234 sqft (1.42 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	13112551
Street Address	45 VARS LN
City	BRADFORD
State	RI
Zip	02808-1114
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	13
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1013
Census Tract	50902

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bradford Village Historic District listed 1996 · 151 contributing resources · NRIS 96000573

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

45 Vars Ln, a duplex, is owned and occupied by an individual.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	45 VARS LN, BRADFORD, RI 02808-1114
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHARTER OAK FCU
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHARTER OAK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 VARS LN, BRADFORD, RI 02808-1114
Document Number	2020-5647
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 VARS LN BRADFORD RI 028081114, BRADFORD, RI 02808-1114

Mortgage

Document Number	2020-5647
Date	Nov 19, 2020
Book Page	002020/025647
Instrument	5882

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 18, 2025

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	45 VARS LN, BRADFORD, RI 02808-1114
Document Number	2020-5655
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 VARS LN BRADFORD RI 028081114, BRADFORD, RI 02808-1114

Mortgage

Document Number	2020-5655
Date	Nov 19, 2020
Book Page	002020/025655
Instrument	5883

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Nov 18, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 45 Vars Ln was $2,319.

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	$2,319.00	$326,200 Land $112,200 Building $214,000	$366,631
2023	$2,187.00 (+0.64%)	$227,300 (-) Land $81,400 Building $145,900
2022	$2,173.00	$227,300 Land $81,400 Building $145,900

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

Flood

FEMA maps place 45 Vars Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1982–2014)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Mar 2014 · tidal / storm surge

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

Wildfire risk around 45 Vars Ln is low, with a 0.01% annual chance of wildfire.

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.

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 66 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Vars Ln

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