48 Bay St, #52, Westerly, RI 02891 Property Records

Westerly Town property record for 48 Bay St, #52, Westerly, RI 02891

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3,444 sqft · built 1939
Lot Size	0.079 acres (3,456 sqft)
Owner	Company Name on Record
Last Sale	$1,785,000 (Nov 2020)
Tax Bill	$8,219 (2025)
Deeds & Mortgages	Nov 2020 Sale Dec 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`WEST M:179 B:102`

Property Details

APN / Parcel Number

Primary APN	`WEST M:179 B:102`
Alternative APNs	`M:179 B:102 L` `19358142`

Interior

Units	2 Units
Stories	2 Stories
Building Area	3,444 sqft Total Area
Gross Area	5,888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,456 sqft (0.079 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19358142
Street Address	48 BAY ST, 52
City	WESTERLY
State	RI
Zip	02891-5702
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Block	102
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	1
Census Block	1102
Census Tract	51000

Historic Designation

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

Historic District	Within the Watch Hill Historic District listed 1985 · 179 contributing resources · NRIS 85001948

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

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	114 HAMMON AVE, PALM BEACH, FL 33480-4710
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Warranty Deed, Transfer NOT AVAILABLE
Dec 17, 2019	Trustee's Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	20205781
Deed Book / Page	2020 / 25154
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 16, 2020
Property Address	48-52 BAY ST, WESTERLY, RI 02891
Document Number	2020-5154
Book / Page	002020 / 025154
Instrument Date	Nov 13, 2020
Instrument	5781
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,785.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	HAMMON AVE PALM BEACH FL 33480, PALM BEACH, FL 33480

December 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 17, 2019
Property Address	48-52 BAY ST, WESTERLY, RI 02891
Document Number	2019-1770
Book / Page	002019 / 021770
Instrument Date	Dec 16, 2019
Instrument	5433
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 BIRCHFIELD RD CRANSTON RI 029053802, CRANSTON, RI 02905-3802

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	$8,219.00 (-1.65%)	$1,156,000 (+33.07%) Land $622,000 Building $534,000	$2,069,458
2023	$8,357.00 (+0.99%)	$868,700 (+0.36%) Land $565,600 Building $303,100
2022	$8,275.00	$865,600 Land $565,600 Building $300,000

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 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	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	Low lower than 94% of the US · lower than 80% 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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