457 Atlantic Ave, Westerly, RI 02891 Property Records

Westerly Town property record for 457 Atlantic Ave, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 3 ba · 2,352 sqft · built 2018
Lot Size	0.31 acres (13,485 sqft)
Owner	Individual Name on File
Last Sale	$3,000,000 (Oct 2022)
Tax Bill	$23,132 (2025)
Deeds & Mortgages	Apr 2022 Refinance Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone VE (high risk)
APN	`WEST M:155 B:46`

Property Details

APN / Parcel Number

Primary APN	`WEST M:155 B:46`
Alternative APNs	`M:155 B:46 L` `7156611`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	4,397 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,485 sqft (0.31 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7156611
Street Address	457 ATLANTIC AVE
City	WESTERLY
State	RI
Zip	02891-4333
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	46
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1080
Census Tract	51000

Owner

457 Atlantic Ave, a residential property, is owned by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	24 JOSEPH CT, CARMEL, NY 10512-5043
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
Apr 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Oct 5, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PUTNAM COUNTY NATIONAL BANK OF CARM
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage WEBSTER BK
Nov 19, 2018	Deed of Trust, Mortgage BRISTOL CNTY SVGS BK
Apr 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2022 · Amount on File
Deed Sale	Oct 5, 2022 · Amount on File
Prior Sale	Apr 30, 2018 · Amount on File
Deed Book / Page	2022 / 17422
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	457 ATLANTIC AVE, WESTERLY, RI 02891-4333
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-6457
Date	Apr 1, 2022
Book Page	2022/6457
Instrument	2022-1505

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Oct 5, 2022
Property Address	457 ATLANTIC AVE, WESTERLY, RI 02891-4333
Document Number	2022-17422
Book / Page	2022 / 17422
Instrument Date	Oct 5, 2022
Instrument	2022-4202
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	24 JOSEPH CT, CARMEL, NY 10512-5043

Mortgage

Document Number	0020224203
Date	Oct 5, 2022
Instrument	2022-4203

Lender

Name	PUTNAM COUNTY NATIONAL BANK OF CARM

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	457 ATLANTIC AVE, WESTERLY, RI 02891-4333
Document Number	2019-6340
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 ATLANTIC AVE WESTERLY RI 028914333, WESTERLY, RI 02891-4333

Mortgage

Document Number	2019-6340
Date	Sep 30, 2019
Book Page	002019/016340
Instrument	4170

Lender

Name	WEBSTER BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 29, 2029

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	457 ATLANTIC AVE, WESTERLY, RI 02891-4333
Document Number	2018-9690
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 ATLANTIC AVE WESTERLY RI 028914333, WESTERLY, RI 02891-4333

Mortgage

Document Number	2018-9690
Date	Nov 19, 2018
Book Page	002018/019690
Instrument	4896

Lender

Name	BRISTOL CNTY SVGS BK
Type	Federal Savings Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Apr 30, 2018
Property Address	457 ATLANTIC AVE, WESTERLY, RI 02891-4333
Document Number	2018-6859
Book / Page	002018 / 006859
Instrument Date	Apr 18, 2018
Instrument	21
Transaction Type	Transfer
Record Updated	May 18, 2018

Transaction

Amount	Amount on Record
Tax	$750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 CHRISWELL DR SIMSBURY CT 060701649, SIMSBURY, CT 06070-1649

Tax Assessment & Valuation

The 2025 property tax bill for 457 Atlantic Ave was $23,132.

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	$23,132.00	$3,253,400 Land $2,562,000 Building $691,400	$3,631,599
2023	$21,406.00 (+11.99%)	$2,225,200 (+11.29%) Land $1,686,100 Building $539,100
2022	$19,115.00	$1,999,500 Land $1,463,100 Building $536,400

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

Flood

FEMA maps place 457 Atlantic Ave in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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 File median of 456 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	506 units insured incl. 50 condo units
Nearby Flood Claims	157 (1978–2024)
Claims Outside the SFHA	22 of 157
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 86 claims Severe Storms And Flooding, Mar 2010 · 9 claims Hurricane Bob, Aug 1991 · 14 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

The area around 457 Atlantic Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 86 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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