20 Spruce St, Westerly, RI 02891 Property Records

Westerly Town property record for 20 Spruce St, Westerly, RI 02891

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 2,572 sqft · built 1900
Lot Size	0.238 acres (10,356 sqft)
Owner	Individual Name on Record
Last Sale	$5,872 (Mar 2023)
Tax Bill	$3,494 (2025)
Deeds & Mortgages	Mar 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`WEST M:57 B:130`

Property Details

APN / Parcel Number

Primary APN	`WEST M:57 B:130`
Alternative APNs	`M:057 B:130 L` `7187850`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,572 sqft Living Area
Gross Area	4,237 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,356 sqft (0.238 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	7187850
Street Address	20 SPRUCE ST
City	WESTERLY
State	RI
Zip	02891-6817
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	130
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	4
Census Block	4008
Census Tract	50801

Owner

Source: Westerly Town records, as of July 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	20 SPRUCE ST, WESTERLY, RI 02891-6817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2023 · Amount on Record
Deed Sale	Mar 15, 2023 · Amount on Record
Prior Sale	Mar 31, 1995 · Amount on Record
Deed Document Number	2023697
Deed Book / Page	2023 / 2751
Record Updated	Sep 20, 2026

March 2023: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	WESTERLY RI
Recording Date	Mar 15, 2023
Property Address	20 SPRUCE ST, WESTERLY, RI 02891-6817
Document Number	02023-2751
Book / Page	2023 / 2751
Instrument Date	Mar 15, 2023
Instrument	2023-697
Transaction Type	Foreclosure
Record Updated	Mar 23, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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
2025	$3,494.00 (+5.59%)	$449,100 (+37.89%) Land $160,700 Building $288,400
2023	$3,309.00 (+0.58%)	$325,700 (-) Land $115,200 Building $210,500
2022	$3,290.00	$325,700 Land $115,200 Building $210,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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	Severe Storms And Flooding, Mar 2010 · 4 claims Hurricane Gloria, Sep 1985 · 2 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

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.

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 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