635 Atlantic Avenue, Westerly, RI, 02891 | $3,750,000

A once-in-a-generation opportunity to own an oceanfront home set directly on the dune crest. This 3BR, 2. 5BA sprawling ranch is uniquely perched above the beach, positioned amongst the natural coastal landscape, offering a vantage point rarely found along the shoreline. Unlike most beachfront homes set farther back, this property sits forward on the dunes, giving you direct, unobstructed views of waves breaking from inside the home rather than distant horizon views. The outdoor space is the centerpiece. A massive wraparound deck & patio extends along the ocean side of the home creating a large, private setting. From this elevated position, take in sweeping views from Weekapaug Point to Watch Hill while watching beach activity below close enough to feel part of it, yet set above it with natural privacy. Whether it's morning coffee, summer days, or hosting friends & family for dinner or cocktails with the sound of the surf, this is where you'll spend most of your time. The home offers generous scale with multiple living areas, ideal for hosting guests as a year-round residence or vacation retreat. The main living space faces the water with deck access, with flexible rooms for guests or work. The bedroom wing includes 3 bedrooms, including a primary with deck access, along with a full bath & a half bath. The lower level adds more space with a full bath, laundry, & an integral 2-car garage. A rare, up-close view from a one of a kind positioned property that's hard to duplicate.

Features

  • Amenities: Golf,Marina,Near Hospital,Near Schools,Pool,Recreation Area,Restaurant,Shopping,Tennis Court(s),Sidewalks
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Style: Ranch
  • Year Built: 1954
  • Garage: 2-car Built In
  • Heating: Forced Air,Oil
  • Cooling: 1 Unit,Wall Unit(s)
  • Basement: Full,Partially Finished,Walk-Out Access
  • Approx Sq. Feet: 2,672
  • Acreage: 0.75
  • Est. Taxes: $22,494
  • Lot Desc: Private,Secluded,Waterfront
  • View: Saltwater,Water
  • Appliances: Dryer,Dishwasher,Electric Water Heater,Microwave,Oven,Range,Refrigerator,Washer
  • MLS#: 1409340
  • Website: https://www.raveis.com
    /eprop/1409340/635atlanticavenue_westerly_ri?source=qrflyer
Copyright © 2026  State-Wide MLS, Inc. All rights reserved.
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listed by Schilke Realty   Phone: 401-637-4040

William Raveis Family of Services

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Allen GellermanInsurance Sales Director, William Raveis Insurance

617.686.2668

Allen.Gellerman@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

635 Atlantic Avenue, Westerly, RI, 02891

$3,750,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $3,000,000 $3,000,000 $3,000,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.125% 5.875% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.021% 5.984% 5.806%
Monthly Tax Payment $1,875 $1,875 $1,875
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $16,335 $17,746 $24,712
Total Monthly Payment $18,334 $19,745 $26,711

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.