45 Cross St

Westerly, RI 02891

$480,000
Last Sold Price
3
Beds
1,878 Sq. Ft.
$256 / Sq. Ft.
1,878
Sq. Ft.
$256
per Sq. Ft.
Closed 10/31/25
Closed 10/31/25

Description

Charming cape located in the heart of town. Living room has a fireplace with a pellet stove insert. Eat in kitchen with granite counters and tile floors. First floor bedroom and a full bath with separate tub and shower. Formal dining room . 2 beds and a bath upstairs. Primary bedroom has walk in closet and balcony. Full basement with a half bath. Oil heat city water and sewer. Solar panels are paid in full and transferable to the new owner . House is being sold as is.Charming cape located in the heart of town. Living room has a fireplace with a pellet stove insert. Eat in kitchen with granite counters and tile floors. First floor bedroom and a full bath with separate tub and shower. Formal dining room . 2 beds and a bath upstairs. Primary bedroom has walk in closet and balcony. Full basement with a half bath. Oil heat city water and sewer. Solar panels are paid in full and transferable to the new owner . House is being sold as is.
  1. Listed by Kimber Pope Kettlety • Brokerage DRE #REB.0012535 • Coldwell Banker Coastal Homes
    P: (401)-741-8722 kimberk@coldwellbanker.com

Property Details for 45 Cross Street

Architectural Style
Cape Cod
LISTING UPDATED: 11/03/2025 09:42 AM

Property Details for 45 Cross Street

StatusClosed
MLS #1396403
Days on Market3
Taxes$3,265 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1954
Lot Size0.16 AC / 6,970 SF
CountyWashington County

Location

Listing Courtesy of Coldwell Banker Coastal Homes

Sold By Compass

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Building Information for 45 Cross Street

Stories2Year Built1954Building Size-Lot Size0.16 AC / 6,970 SF

Payment Calculator

$2,644 per month

30 year fixed, 6.28% Interest

Principal and Interest

$2,372

Property Taxes

$272

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 45 Cross Street

Summary
Location and General Information
  • City: Westerly
  • Postal City: Westerly
  • Postal Code: 02891
  • State Or Province: RI
  • Human Modified Y N: Yes
Parking
  • Carport Y N: Yes
  • Covered Spaces: 1
  • Garage Spaces: 1
  • Garage Y N: Yes
  • Parking Features: Carport
  • Parking Total: 3
Taxes and HOA Information
  • Tax Annual Amount: $3,265.00
  • Tax Assessed Value: 419700
  • Tax Lot: 85
  • Tax Map Number: 77
  • Tax Year: 2025
Virtual Tour
Property
Lot Information
  • Above Grade Fin SQFT: 1878.0
  • Below Grade Finished Area: 0.0
  • Building Area Total: 1878.0
  • Living Area: 1,878.00
  • Living Area Source: Public Records
  • Lot Size Acres: 0.16
  • Lot Size Area: 6970.0
  • Lot Size Square Feet: 6970.0
  • Lot Size Units: Square Feet
  • Parcel Number: 45CROSSSTWEST
  • Stories: 2
  • Stories Total: 2
  • Property Sub Type Additional: Single Family Residence
Property and Assessments
  • Buyer Financing: Conventional
  • New Construction Y N: No
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Senior Community Y N: No
  • Year Built: 1954
Utilities
  • Electric: Amps200Or More, Circuit Breakers
  • Sewer: Public Sewer
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Foundation Details: Concrete Perimeter
  • Pool Features: Above Ground
Interior Features
  • Appliances: Oil Water Heater
  • Basement: Full, Interior Entry, Unfinished
  • Basement Y N: Yes
  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms Total Integer: 2
  • Bedrooms Total: 3
  • Cooling: None
  • Cooling Y N: No
  • Fireplace Features: Insert
  • Fireplaces Total: 1
  • Fireplace Y N: Yes
  • Flooring: Ceramic Tile, Hardwood
  • Heating: Baseboard, Forced Air, Oil
  • Heating Y N: Yes
  • Interior Features: Stall Shower, Tub Shower
  • Levels: Two
  • Rooms Total: 6
Room 1
  • Room Type 1: Bathroom
  • Room Level 1: Second
Room 2
  • Room Type 2: Bedroom 3
  • Room Level 2: Second
Room 3
  • Room Type 3: Bedroom 2
  • Room Level 3: Second
Room 4
  • Room Type 4: Bathroom
  • Room Level 4: First
Room 5
  • Room Type 5: Living Room
  • Room Level 5: First
Room 6
  • Room Type 6: Kitchen
  • Room Features 6: Eat In Kitchen
  • Room Level 6: First
Room 7
  • Room Type 7: Dining Room
  • Room Level 7: First
Room 8
  • Room Type 8: Bedroom 1
  • Room Level 8: First
Room 30
  • Room List: Bathroom, Bedroom 3, Bedroom 2, Living Room, Kitchen, Dining Room, Bedroom 1
Rental
Rental Information
  • Land Lease Y N: No

Property History for 45 Cross Street

DateEvent & SourcePriceAppreciation
Oct 31, 2025

Sold (Public Record)

Public Record #1919222243

$480,000

+5.1% / yr

Oct 31, 2025

Sold

Rhode Island Association of REALTORS® #1396403

$480,000—
Oct 2, 2025

Contract Signed

Rhode Island Association of REALTORS® #1396403

—
Sep 29, 2025

Listed (Active)

Rhode Island Association of REALTORS® #1396403

$475,000—
Jan 22, 1993

Sold (Public Record)

Public Record #171496863

$95,000—
DateEvent & SourcePrice
10/31/2025

Sold (Public Record)

Public Record #1919222243

$480,000

+5.1% / yr

10/31/2025

Sold

Rhode Island Association of REALTORS® #1396403

$480,000
10/02/2025

Contract Signed

Rhode Island Association of REALTORS® #1396403

—
09/29/2025

Listed (Active)

Rhode Island Association of REALTORS® #1396403

$475,000
01/22/1993

Sold (Public Record)

Public Record #171496863

$95,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 45 Cross Street

Taxable ValueLand$152,000Additions$267,700Total$419,700
Tax Record2025$3,265 ($272 / month)
Home Facts
Beds3Baths2.5Total Finished SqFt1,878 SqFtAbove Grade Finished SqFt1,878 SqFtStories2Lot Size6,871 SqFtStyleSingle Family ResidenceYear Built1954CountyWASHINGTONAPNWEST M:77 B:85

Schools near 45 Cross Street

This home is within Westerly School District.
Rating
School
Type
Grades
Distance
State Street School
Public - K to 4
Westerly Middle School
Public - 5 to 8
Westerly High School
Public - 9 to 12
Springbrook Elementary School
Public - K to 4
Rating
School
Distance
State Street School
PublicK to 4

Westerly Middle School
Public5 to 8

Westerly High School
Public9 to 12

Springbrook Elementary School
PublicK to 4

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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Listing Courtesy of Coldwell Banker Coastal Homes

Based on information from one of the following Multiple Listing Services: Rhode Island Association of REALTORS®. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by Rhode Island Association of REALTORS® is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.