Westerly Town property record for 18 Spencer Dr, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,600 sqft · built 1984 |
| Lot Size | 0.249 acres (10,857 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,017 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Oct 2016 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:17 B:54 |
| Primary APN | WEST M:17 B:54 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| Gross Area | 2,403 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 10,857 sqft (0.249 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 6131400 |
|---|---|
| Street Address | 18 SPENCER DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1285 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 54 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 50901 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 18 SPENCER DR, WESTERLY, RI 02891-1285 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 21, 2025 | Deed of Trust, Mortgage CITIZENS BANK |
| Oct 28, 2016 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 16, 2020 |
| Transfer Doc | 2020-11370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 18 SPENCER DR, WESTERLY, RI 02891-1285 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02025-6135 |
|---|---|
| Date | May 21, 2025 |
| Book Page | 2025/6135 |
| Instrument | 2025-1542 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 301 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 18 SPENCER DR, WESTERLY, RI 02891-1285 |
| Document Number | 2017-1348 |
| Book / Page | 002017 / 001348 |
| Instrument Date | Oct 28, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2017 |
| Name | Verified Name |
|---|
| Document Number | 2017-1348 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 002017/001348 |
| Instrument | 316 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,017.00 (+3%) | $387,800 (+34.51%) Land $148,900 Building $238,900 | $452,266 |
| 2023 | $2,929.00 (+0.58%) | $288,300 (-) Land $106,400 Building $181,900 | |
| 2022 | $2,912.00 | $288,300 Land $106,400 Building $181,900 |
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 9 (1978–2010) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Apr 2010 · Severe Storms And Flooding |
| 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 | Low lower than 99.1% of the US · lower than 97.9% 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.
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 202 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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