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2 Spruce Ave, Middletown, RI 02842 Property Records

Middletown Town property record for 2 Spruce Ave, Middletown, RI 02842

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 960 sqft · built 1961
Lot Size0.24 acres (10,454 sqft)
Owner2 Individual Names on Record
Last Sale$65,000 (Apr 1990)
Tax Bill$5,764 (2025)
Deeds & MortgagesAug 2026 Mortgage
Nov 2021 Refinance
Flood ZoneZone X (minimal risk)
APN199203142

Property Details

APN / Parcel Number

Primary APN199203142
Alternative APN
  • MIDD M:0125 B:00 L:20

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area960 sqft Living Area
Gross Area2,674 sqft
1st Floor Area960 sqft
Basement Area960 sqft
Unfinished Basement960 sqft

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,454 sqft (0.24 acres)
Garage TypeAttached
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number199203142
Street Address2 SPRUCE AVE
CityMIDDLETOWN
StateRI
Zip02842-5331
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR40
Legal Lot Number20
JurisdictionMIDDLETOWN RI
Township / Civil DivisionMIDDLETOWN
Census Block Group1
Census Block1038
Census Tract40400

Owner

Source: Middletown 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 Record2 Individual Names on Record
Mailing Address2 SPRUCE AVE, MIDDLETOWN, RI 02842-5331
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2026Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC
Nov 5, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
CITIZENS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 20, 1990 · Amount on Record
Deed SaleApr 20, 1990 · Amount on Record
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIDDLETOWN RI
Recording DateAug 26, 2026
Property Address2 SPRUCE AVE, MIDDLETOWN, RI 02842-5331
Document Number0000001732
Book / Page1921 / 62
Instrument DateAug 13, 2026
Instrument20261732
Transaction TypeMortgage
Record UpdatedSep 15, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2 SPRUCE AVE, MIDDLETOWN, RI 02842-5331

Mortgage

Document Number0000001732,
DateAug 26, 2026
Book Page1921/62
Instrument20261732
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Max Rate-1%

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIDDLETOWN RI
Property Address2 SPRUCE AVE, MIDDLETOWN, RI 02842-5331
Transaction TypeMortgage
Record UpdatedNov 18, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1744-228
DateNov 5, 2021
Book Page1744/228
Instrument3673
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term301 Months
DueDec 1, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionMiddletown Town
Unified School DistrictMiddletown School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,764.00 (+37.24%)$488,900 (+46.55%) Land $320,500 Building $168,400$576,506
2023$4,200.00 (+4.74%)$333,600 (-) Land $216,600 Building $117,000
2022$4,010.00$333,600 Land $216,600 Building $117,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims4 (1991–2023)
Claims Outside the SFHA2 of 4
Most Recent ClaimSep 2023 · rainfall accumulation

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

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

Wildfire RiskLow
lower than 98% of the US · lower than 94% of Rhode Island
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemNEWPORT-CITY OF
serves 42,155 people · EPA ID RI1592010
Water SourceSurface water
Last State InspectionOct 2022
Lead4 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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 124 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Fiber		1,000 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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