78 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 78 Cross St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,265 sqft · built 1926
Lot Size	0.168 acres (7,307 sqft)
Owner	Individual Name on File
Tax Bill	$2,344 (2025)
Flood Zone	Zone X (minimal risk)
APN	`WEST M:67 B:203`

Property Details

APN / Parcel Number

Primary APN	`WEST M:67 B:203`
Alternative APNs	`M:067 B:203 L` `19313100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,265 sqft Living Area
Gross Area	1,945 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,307 sqft (0.168 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	19313100
Street Address	78 CROSS ST
City	WESTERLY
State	RI
Zip	02891-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	203
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	3
Census Block	3011
Census Tract	50801

Owner

Source: Westerly Town records · APN WEST M:67 B:203

Assessment roll updated June 22, 2026 · Last verified June 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 File
Mailing Address	123 GRANITE ST, WESTERLY, RI 02891-2444
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$2,344.00 (+18.38%)	$301,300 (+54.59%) Land $152,200 Building $149,100
2023	$1,980.00 (+0.61%)	$194,900 (-) Land $108,800 Building $86,100
2022	$1,968.00	$194,900 Land $108,800 Building $86,100

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 91% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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

Provider	Max 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 System	WESTERLY WATER DEPARTMENT serves 35,298 people
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 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.