21 Spray Rock Rd, Westerly, RI 02891 Property Records

Westerly Town property record for 21 Spray Rock Rd, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 4,910 sqft · built 2009
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Trust Names on Record
Last Sale	$2,700,000 (Aug 2001)
Tax Bill	$91,341 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`WEST M:169 B:11`

Property Details

APN / Parcel Number

Primary APN	`WEST M:169 B:11`
Alternative APNs	`M:169 B:11 L` `19294125`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	4,910 sqft Living Area
Gross Area	8,551 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	19294125
Street Address	21 SPRAY ROCK RD
City	WESTERLY
State	RI
Zip	02891-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	11
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2050
Census Tract	51000

Owner

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	2 Trust Names on Record
Mailing Address	PO BOX 280001, EAST HARTFORD, CT 06128-0001
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · ARM TD BANK NA
May 24, 2021	Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA
May 15, 2017	Deed of Trust, Mortgage · ARM TD BANK NA
Feb 26, 2020	Deed of Trust, Mortgage · ARM TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2001 · Amount on Record
Deed Sale	Aug 1, 2001 · Amount on Record
Deed Book / Page	913 / 301
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	21 SPRAY ROCK RD, WESTERLY, RI 02891-4606
Transaction Type	Mortgage
Record Updated	Dec 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-29754
Date	Nov 24, 2021
Book Page	2021/29754
Instrument	2021-6591

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Dec 1, 2024
Index	Other
Margin	3

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	21 SPRAY ROCK RD, WESTERLY, RI 02891-4606
Transaction Type	Mortgage
Record Updated	Jun 3, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021-14058
Date	May 24, 2021
Book Page	2021/14058
Instrument	2021-3104

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	21 SPRAY ROCK RD, WESTERLY, RI 02891-4606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017-8229
Date	May 15, 2017
Book Page	2017/8229
Instrument	2037

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	21 SPRAY ROCK RD, WESTERLY, RI 02891-4606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020-3155
Date	Feb 26, 2020
Book Page	2020/3155
Instrument	2020-742

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Mar 1, 2025

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	Assessed Market Value
2025	$91,341.00 (+15.9%)	$12,846,800 (+56.82%) Land $10,172,100 Building $2,674,700	$6,314,650
2023	$78,807.00 (+0.63%)	$8,192,000 (-) Land $6,605,700 Building $1,586,300
2022	$78,316.00	$8,192,000 Land $6,605,700 Building $1,586,300

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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.

Nearby Properties on Spray Rock Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures