Westerly Town property record for 10 Spencer Dr, Westerly, RI 02891 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1983 |
| Square Footage | 810 sqft Living Area |
| Lot Size | 10,432 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $400,000 (2024) |
| Tax Bill | $2,710.00 (2025) |
| Primary APN | WEST M:26 B:147 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 810 sqft Living Area |
| Gross Area | 2,036 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Raised Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,432 sqft (0.239 acres) |
| Heating System | Baseboard Heating |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Account Number | 16084510 |
|---|---|
| Street Address | 10 SPENCER DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1284 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 147 |
| Jurisdiction | WESTERLY RI |
| Minor Civil Division | WESTERLY |
| Census Blockgroup | 1 |
| Census Block | 1027 |
| Census Tract | 50901 |
Source: Westerly Town records · APN WEST M:26 B:147
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 SPENCER DR, WESTERLY, RI 02891-1284 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Aug 05, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage SEMPER HOME LOANS INC |
| May 06, 2020 | Warranty Deed, Transfer · Stand Alone First Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 24, 2024 · Amount on Record |
| Deed Sale | May 24, 2024 · Amount on Record |
| Prior Sale | Aug 05, 2022 · Amount on Record |
| Deed Doc Number | 20241650 |
| Deed Book / Page | 2024 / 6466 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 05, 2022 |
| Property Address | 10 SPENCER DR, WESTERLY, RI 02891-1284 |
| Document Number | 2022-14254 |
| Book / Page | 2022 / 14254 |
| Instrument Date | Aug 05, 2022 |
| Instrument | 2022-3371 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 SPENCER DR, WESTERLY, RI 02891-1284 |
| Document Number | 0020223372 |
|---|---|
| Date | Aug 05, 2022 |
| Instrument | 2022-3372 |
| Name | SEMPER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 2022-14267 |
|---|---|
| Date | Aug 05, 2022 |
| Book Page | 2022/14267 |
| Instrument | 2022-3373 |
| Name | SEMPER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage to Cover Down Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 01, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | May 06, 2020 |
| Property Address | 10 SPENCER DR, WESTERLY, RI 02891-1284 |
| Document Number | 2020-8361 |
| Book / Page | 2020 / 8361 |
| Instrument Date | Mar 30, 2020 |
| Instrument | 2020-1925 |
| Transaction Type | Transfer |
| Record Updated | Jun 04, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 SPENCER DR, WESTERLY, RI 02891-1284 |
| Document Number | 20201926 |
|---|---|
| Date | May 06, 2020 |
| Instrument | 2020-1926 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jun 01, 2025 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,710.00 (-2.8%) | $348,300 (+26.93%) Land $148,100 Building $200,200 |
| 2023 | $2,788.00 (+0.61%) | $274,400 (-) Land $105,800 Building $168,600 |
| 2022 | $2,771.00 | $274,400 Land $105,800 Building $168,600 |
10 Spencer Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · County delivery 44009C updated December 26, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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