Westerly Town property record for 497 Atlantic Ave, Westerly, RI 02891
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 980 sqft · built 1957 |
| Lot Size | 0.42 acres (18,276 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $12,777 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Oct 2025 Sale + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | WEST M:155 B:24 |
| Primary APN | WEST M:155 B:24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| Gross Area | 2,920 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,276 sqft (0.42 acres) |
| Account Number | 2035000 |
|---|---|
| Street Address | 497 ATLANTIC AVE |
| City | WESTERLY |
| State | RI |
| Zip | 02891-4333 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 24 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1076 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 497 ATLANTIC AVE, WESTERLY, RI 02891-4333 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Line of Credit CHELSEA GROTON BANK |
| Oct 2, 2025 | Executor's Deed, Transfer |
| Oct 2, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 1, 2025 |
| Transfer Doc | 2025-14255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jun 5, 2026 |
| Property Address | 497 ATLANTIC AVE, WESTERLY, RI 02891-4333 |
| Document Number | 02026-8600 |
| Book / Page | 2026 / 8600 |
| Instrument Date | May 29, 2026 |
| Instrument | 20261860 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001860, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 2026/8600 |
| Instrument | 20261860 |
| Name | CHELSEA GROTON BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Oct 2, 2025 |
| Property Address | 497 ATLANTIC AVE, WESTERLY, RI 02891-4333 |
| Document Number | 2025-14252 |
| Book / Page | 2025 / 14252 |
| Instrument Date | Oct 1, 2025 |
| Instrument | 2025-3426 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Oct 2, 2025 |
| Property Address | 497 ATLANTIC AVE, WESTERLY, RI 02891-4333 |
| Document Number | 2025-14255 |
| Book / Page | 2025 / 14255 |
| Instrument Date | Oct 1, 2025 |
| Instrument | 2025-3427 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $12,777.00 (+3.28%) | $1,797,100 (+39.74%) Land $1,647,800 Building $149,300 | $1,704,097 |
| 2023 | $12,371.00 (+0.63%) | $1,286,000 (-) Land $1,182,300 Building $103,700 | |
| 2022 | $12,294.00 | $1,286,000 Land $1,182,300 Building $103,700 |
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 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 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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