Westerly Town property record for 12 Spruce St, Westerly, RI 02891
| Property Type | Triplex |
|---|---|
| Details | 8 bd · 3.5 ba · 3,503 sqft · built 1900 |
| Lot Size | 0.348 acres (15,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $373,000 (Aug 2019) |
| Tax Bill | $4,588 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:57 B:127 |
| Primary APN | WEST M:57 B:127 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,503 sqft Living Area |
| Gross Area | 6,044 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,148 sqft (0.348 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1109800 |
|---|---|
| Street Address | 12 SPRUCE ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1966 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Block | 127 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 50801 |
Source: Westerly Town records, as of August 26, 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 Record |
|---|---|
| Mailing Address | 12 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2026 | Deed of Trust, Mortgage · Line of Credit DIME BANK |
| Apr 21, 2025 | Deed of Trust, Mortgage · Line of Credit WESTERLY COMMUNITY CU |
| Mar 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING |
| Aug 16, 2019 | Warranty Deed, Transfer · Conventional with PMI NFM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2019 · Amount on Record |
| Deed Sale | Aug 16, 2019 · Amount on Record |
| Deed Document Number | 20193378 |
| Deed Book / Page | 2019 / 13198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 11, 2026 |
| Property Address | 12 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Document Number | 0000002706 |
| Book / Page | 2026 / 12283 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 20262706 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Document Number | 0000002706, |
|---|---|
| Date | Aug 11, 2026 |
| Book Page | 2026/12283 |
| Instrument | 20262706 |
| Name | DIME BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 12 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02025-4549 |
|---|---|
| Date | Apr 21, 2025 |
| Book Page | 2025/4549 |
| Instrument | 2025-1153 |
| Name | WESTERLY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 12 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021-8358 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 2021/8358 |
| Instrument | 2021-1872 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Aug 16, 2019 |
| Property Address | 12 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Document Number | 2019-3198 |
| Book / Page | 002019 / 013198 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 3378 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $373.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 143 W BROAD ST PAWCATUCK CT 063791825, PAWCATUCK, CT 06379-1825 |
| Document Number | 2019-3200 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 002019/013200 |
| Instrument | 3379 |
| Name | NFM |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2049 |
Source: Westerly Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,588.00 (+16.48%) | $589,700 (+52.1%) Land $162,000 Building $427,700 |
| 2023 | $3,939.00 (+0.59%) | $387,700 (-) Land $116,500 Building $271,200 |
| 2022 | $3,916.00 | $387,700 Land $116,500 Building $271,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 23 (1982–2021) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2021 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTERLY WATER DEPARTMENT serves 35,298 people · EPA ID RI1559512 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 442 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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