47 Shore Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 47 Shore Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 2 ba · 1,430 sqft · built 1972
Lot Size	0.679 acres (29,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$977,500 (Oct 2025)
Tax Bill	$5,570 (2025)
Deeds & Mortgages	Oct 2024 Refinance Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:164 B:72`

Property Details

APN / Parcel Number

Primary APN	`WEST M:164 B:72`
Alternative APNs	`M:164 B:72 L` `18080875`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,430 sqft Living Area
Gross Area	3,244 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,583 sqft (0.679 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	18080875
Street Address	47 SHORE RD
City	WESTERLY
State	RI
Zip	02891-4203
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	72
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1023
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	47 SHORE RD, WESTERLY, RI 02891-4203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NBKC BANK
Oct 31, 2025	Warranty Deed, Transfer FINEX CU
Sep 18, 2023	Executor's Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	Sep 18, 2023 · Amount on Record
Deed Book / Page	2025 / 15900
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	47 SHORE RD, WESTERLY, RI 02891-4203
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024-14001
Date	Oct 16, 2024
Book Page	2024/14001
Instrument	2024-3511

Lender

Name	NBKC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Oct 31, 2025
Property Address	47 SHORE RD, WESTERLY, RI 02891-4203
Document Number	2025-15900
Book / Page	2025 / 15900
Instrument Date	Oct 31, 2025
Instrument	2025-3829
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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	47 SHORE RD, WESTERLY, RI 02891-4203

Mortgage

Document Number	0020253830
Date	Oct 31, 2025
Instrument	2025-3830

Lender

Name	FINEX CU

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 18, 2023
Property Address	47 SHORE RD, WESTERLY, RI 02891-4203
Document Number	2023-12404
Book / Page	2023 / 12404
Instrument Date	Sep 15, 2023
Instrument	2023-3078
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	165 E 89TH ST APT 3A, 3A, NEW YORK, NY 10128-2640

Mortgage

Document Number	0020233079
Date	Sep 18, 2023
Instrument	2023-3079

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,570.00 (+51.81%)	$783,400 (+105.4%) Land $431,300 Building $352,100	$953,069
2023	$3,669.00 (+0.63%)	$381,400 (-) Land $193,800 Building $187,600
2022	$3,646.00	$381,400 Land $193,800 Building $187,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

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 505 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

May also be available: AT&T.

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