Westerly Town property record for 470 Atlantic Ave, Westerly, RI 02891
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,655 sqft · built 2008 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $910,000 (Jan 2021) |
| Tax Bill | $10,883 (2025) |
| Deeds & Mortgages | Feb 2024 Refinance Jan 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | WEST M:155 B:58 |
| Primary APN | WEST M:155 B:58 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,655 sqft Living Area |
| Gross Area | 3,291 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,018 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 7000250 |
|---|---|
| Street Address | 470 ATLANTIC AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4336 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 58 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 51000 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 785, RIDGEFIELD, CT 06877-0785 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jan 22, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 22, 2021 · Amount on Record |
| Deed Sale | Jan 22, 2021 · Amount on Record |
| Prior Sale | Sep 30, 2005 · Amount on Record |
| Deed Document Number | 2021428 |
| Deed Book / Page | 2021 / 1854 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 470 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 02024-1308 |
|---|---|
| Date | Feb 7, 2024 |
| Book Page | 2024/1308 |
| Instrument | 2024-370 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jan 22, 2021 |
| Property Address | 470 ATLANTIC AVE, WESTERLY, RI 02891-4336 |
| Document Number | 02021-1854 |
| Book / Page | 2021 / 1854 |
| Instrument Date | Jan 20, 2021 |
| Instrument | 2021-428 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 635 N SALEM RD, RIDGEFIELD, CT 06877-1732 |
| Document Number | 0002021430 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021-430 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,883.00 (+10.38%) | $1,530,700 (+49.35%) Land $1,070,400 Building $460,300 | $1,816,332 |
| 2023 | $9,860.00 (+2.91%) | $1,024,900 (+2.27%) Land $649,800 Building $375,100 | |
| 2022 | $9,581.00 | $1,002,200 Land $649,800 Building $352,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 88% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 69 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 |
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