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63 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 63 Cross St, Westerly, RI 02891

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,280 sqft · built 1900
Lot Size0.298 acres (12,970 sqft)
OwnerIndividual Name on File
Last Sale$140,000 (Dec 2004)
Tax Bill$2,181 (2025)
Deeds & MortgagesMay 2018 Line of Credit
Dec 2016 Mortgage
Flood ZoneZone X (minimal risk)
APNWEST M:77 B:193

Property Details

APN / Parcel Number

Primary APNWEST M:77 B:193
Alternative APNs
  • M:077 B:193 L
  • 7192650

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,280 sqft Living Area
Gross Area1,980 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area12,970 sqft (0.298 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Account Number7192650
Street Address63 CROSS ST
CityWESTERLY
StateRI
Zip02891-2332
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block193
JurisdictionWESTERLY RI
Township / Civil DivisionWESTERLY
Census Block Group1
Census Block1003
Census Tract50802

Owner

Source: Westerly Town records · APN WEST M:77 B:193

Assessment roll updated June 22, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address63 CROSS ST, WESTERLY, RI 02891-2332
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 11, 2018Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA
Dec 30, 2016Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 27, 2004 · Amount on Record
Deed SaleDec 27, 2004 · Amount on Record
Deed Book / Page1359 / 126
Record UpdatedSep 20, 2026

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address63 CROSS ST, WESTERLY, RI 02891-2332
Document Number2018-806
Instrument DateMay 11, 2018
Transaction TypeMortgage
Record UpdatedJul 17, 2018

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2018-806
DateJun 28, 2018
Book Page002018/010806
Instrument2710
Lender
NameBANK OF AMERICA
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJun 27, 2048
Interest
Rate TypeAdjustable Rate

December 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address63 CROSS ST, WESTERLY, RI 02891-2332
Document Number2017-941
Book / Page002017 / 000941
Instrument DateDec 30, 2016
Transaction TypeMortgage
Record UpdatedFeb 01, 2017

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2017-941
DateJan 13, 2017
Book Page002017/000941
Instrument213
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 12, 2032

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionWesterly Town
Unified School DistrictWesterly School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$2,181.00 (+5.11%)$280,300 (+37.27%) Land $153,700 Building $126,600
2023$2,075.00 (+0.63%)$204,200 (-) Land $110,300 Building $93,900
2022$2,062.00$204,200 Land $110,300 Building $93,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims12 (1981–2012)
Claims Outside the SFHA1 of 12
Most Recent ClaimOct 2012 · Hurricane Sandy
Claims by Event
  • Hurricane Sandy, Oct 2012 · 3 claims
  • Hurricane Bob, Aug 1991 · 4 claims

Wildfire

Wildfire RiskLow
lower than 97% of the US · lower than 91% of Rhode Island
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
Starlink
Satellite		280 / 30

May also be available: AT&T.

Based on FCC filings for 329 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWESTERLY WATER DEPARTMENT
serves 35,298 people
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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