Westerly Town property record for 14 Spruce St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.348 acres (15,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $413,000 (Jul 2019) |
| Tax Bill | $6,165 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:57 B:128 |
| Primary APN | WEST M:57 B:128 |
|---|---|
| Alternative APNs |
|
| Architectural Style | Triplex |
|---|---|
| Lot Area | 15,148 sqft (0.348 acres) |
| Total Buildings | 2 Buildings |
| Account Number | 2277000 |
|---|---|
| Street Address | 14 SPRUCE ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 128 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 50801 |
Source: Westerly Town records, as of October 20, 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 | 14 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SHAMROCK HOME LOANS |
| Jul 9, 2019 | Warranty Deed, Transfer · Conventional Mortgage SEACOAST MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2019 · Amount on Record |
| Deed Sale | Jul 9, 2019 · Amount on Record |
| Prior Sale | Oct 30, 2013 · Amount on Record |
| Deed Document Number | 20192820 |
| Deed Book / Page | 2019 / 11076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 14 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021-5343 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 2021/5343 |
| Instrument | 2021-1155 |
| Name | SHAMROCK HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jul 9, 2019 |
| Property Address | 14 SPRUCE ST, WESTERLY, RI 02891-1966 |
| Document Number | 2019-1076 |
| Book / Page | 002019 / 011076 |
| Instrument Date | Jul 9, 2019 |
| Instrument | 2820 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $413.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 SPRUCE ST #2 WESTERLY RI 028911966, 2, WESTERLY, RI 02891-1966 |
| Document Number | 2019-1079 |
|---|---|
| Date | Jul 9, 2019 |
| Book Page | 002019/011079 |
| Instrument | 2821 |
| Name | SEACOAST MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,165.00 (+19.02%) | $792,400 (+55.43%) Land $177,900 Building $614,500 | $783,110 |
| 2023 | $5,180.00 (+0.6%) | $509,800 (-) Land $127,800 Building $382,000 | |
| 2022 | $5,149.00 | $509,800 Land $127,800 Building $382,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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