Westerly Town property record for 21 Spencer Dr, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,584 sqft · built 1984 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $522,500 (Sep 2024) |
| Tax Bill | $3,833 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:17 B:49 |
| Primary APN | WEST M:17 B:49 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,584 sqft Living Area |
| Gross Area | 3,251 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 19060446 |
|---|---|
| Street Address | 21 SPENCER DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1289 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 49 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1035 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 21 SPENCER DR, WESTERLY, RI 02891-1289 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Nov 20, 2018 | Warranty Deed, Transfer · FHA Mortgage BBMC MTG |
| Mar 5, 2018 | Deed of Trust, Mortgage · Line of Credit WASHINGTON TR CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2024 · Amount on Record |
| Deed Sale | Sep 30, 2024 · Amount on Record |
| Prior Sale | Nov 20, 2018 · Amount on Record |
| Deed Document Number | 20243295 |
| Deed Book / Page | 2024 / 12976 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 21 SPENCER DR, WESTERLY, RI 02891-1289 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021-26995 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 2021/26995 |
| Instrument | 2021-6031 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 21 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 2020-5562 |
| Instrument Date | Nov 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 SPENCER DR WESTERLY RI 028911289, WESTERLY, RI 02891-1289 |
| Document Number | 2020-5562 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 002020/025562 |
| Instrument | 5865 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Nov 20, 2018 |
| Property Address | 21 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 2018-9902 |
| Book / Page | 002018 / 019902 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 4946 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 SPENCER DR WESTERLY RI 028911289, WESTERLY, RI 02891-1289 |
| Document Number | 2018-9905 |
|---|---|
| Date | Nov 20, 2018 |
| Book Page | 002018/019905 |
| Instrument | 4947 |
| Name | BBMC MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 21 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 2018-3419 |
| Instrument Date | Mar 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 21 SPENCER DR WESTERLY RI 028911289, WESTERLY, RI 02891-1289 |
| Document Number | 2018-3419 |
|---|---|
| Date | Mar 7, 2018 |
| Book Page | 002018/003419 |
| Instrument | 886 |
| Name | WASHINGTON TR CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 6, 2048 |
| 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 | $3,833.00 (-1.67%) | $492,700 (+28.41%) Land $147,300 Building $345,400 | $545,319 |
| 2023 | $3,898.00 (+0.59%) | $383,700 (-) Land $105,200 Building $278,500 | |
| 2022 | $3,875.00 | $383,700 Land $105,200 Building $278,500 |
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 | 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 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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