15 Spray Rock Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 15 Spray Rock Rd, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	6 bd · 3.5 ba · 4,919 sqft · built 1919
Lot Size	0.949 acres (41,326 sqft)
Owner	Trust Name on File
Last Sale	$7,500,000 (Sep 2020)
Tax Bill	$99,221 (2025)
Deeds & Mortgages	Nov 2022 Transfer Sep 2020 Sale
Flood Zone	Zone X (moderate risk)
APN	`WEST M:169 B:14`

Property Details

APN / Parcel Number

Primary APN	`WEST M:169 B:14`
Alternative APNs	`M:169 B:14 L` `12038225`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,919 sqft Living Area
Gross Area	10,153 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	41,326 sqft (0.949 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Geothermal
Heating Fuel	Electric

Location & Zoning

Account Number	12038225
Street Address	15 SPRAY ROCK RD
City	WESTERLY
State	RI
Zip	02891-4606
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	14
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2050
Census Tract	51000

Owner

15 Spray Rock Rd, a residential property, is owner-occupied and held in a trust since November 2022.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	15 SPRAY ROCK RD, WESTERLY, RI 02891-4606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 10, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Jan 17, 2003 · Amount on File
Deed Document Number	20204247
Deed Book / Page	2020 / 18452
Last Transfer Date	Nov 7, 2022
Transfer Doc	2022-19576
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 15, 2022
Property Address	15 SPRAY ROCK RD, WESTERLY, RI 02891-4606
Document Number	2022-19576
Book / Page	2022 / 19576
Instrument Date	Nov 7, 2022
Instrument	2022-4745
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SPRAY ROCK RD, WESTERLY, RI 02891-4606

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Sep 10, 2020
Property Address	15 SPRAY ROCK RD, WESTERLY, RI 02891-4606
Document Number	2020-8452
Book / Page	002020 / 018452
Instrument Date	Sep 1, 2020
Instrument	4247
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$7,500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 GULF SHORE BLVD N NAPLES FL 341028452, NAPLES, FL 34102-8452

Tax Assessment & Valuation

The 2025 property tax bill for 15 Spray Rock Rd was $99,221.

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Westerly Town
Unified School District	Westerly School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$99,221.00	$13,955,200 Land $10,812,100 Building $3,143,100	$6,266,033
2023	$86,542.00 (+2.6%)	$8,996,100 (+1.96%) Land $7,034,700 Building $1,961,400
2022	$84,352.00	$8,823,400 Land $7,034,700 Building $1,788,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Spray Rock Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 140 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	143 units insured incl. 3 condo units
Nearby Flood Claims	28 (1985–2021)
Claims Outside the SFHA	8 of 28
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Severe Storms And Flooding, Apr 2010 · 8 claims

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.

Wildfire

Wildfire risk around 15 Spray Rock Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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