Westerly Town property record for 23 Spencer Dr, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,536 sqft · built 1984 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (May 2023) |
| Tax Bill | $2,957 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:17 B:48 |
| Primary APN | WEST M:17 B:48 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 2,472 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 | 10,000 sqft (0.23 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 8133300 |
|---|---|
| Street Address | 23 SPENCER DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1289 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 48 |
| 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 | 23 SPENCER DR, WESTERLY, RI 02891-1289 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2023 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Jan 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on Record |
| Deed Sale | May 1, 2023 · Amount on Record |
| Deed Document Number | 20231352 |
| Deed Book / Page | 2023 / 5416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | May 1, 2023 |
| Property Address | 23 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 02023-5416 |
| Book / Page | 2023 / 5416 |
| Instrument Date | May 1, 2023 |
| Instrument | 2023-1352 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 23 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 0020231353 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 2023-1353 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 02023-5429 |
|---|---|
| Date | May 1, 2023 |
| Book Page | 2023/5429 |
| Instrument | 2023-1354 |
| Name | RHODE ISLAND HOUSING & MTG FIN CORP |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 23 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 2019-1366 |
| Instrument Date | Jan 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Address | 23 SPENCER DR WESTERLY RI 028911289, WESTERLY, RI 02891-1289 |
| Document Number | 2019-1366 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 002019/001366 |
| Instrument | 347 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 28, 2044 |
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 | $2,957.00 (+5.87%) | $380,100 (+38.27%) Land $147,300 Building $232,800 | $442,995 |
| 2023 | $2,793.00 (+0.61%) | $274,900 (-) Land $105,200 Building $169,700 | |
| 2022 | $2,776.00 | $274,900 Land $105,200 Building $169,700 |
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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