Westerly Town property record for 24 Spencer Dr, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,696 sqft · built 1983 |
| Lot Size | 0.23 acres (10,022 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Dec 2018) |
| Tax Bill | $2,899 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Jan 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:17 B:58 |
| Primary APN | WEST M:17 B:58 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,696 sqft Living Area |
| Gross Area | 2,604 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 10,022 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 11028695 |
|---|---|
| Street Address | 24 SPENCER DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 58 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1036 |
| 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 | 24 SPENCER DR, WESTERLY, RI 02891-1286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jan 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 28, 2018 | Warranty Deed, Transfer · FHA Mortgage QUAD CTY BK&TR |
| Mar 10, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2018 · Amount on Record |
| Deed Sale | Dec 28, 2018 · Amount on Record |
| Deed Document Number | 20185509 |
| Deed Book / Page | 2018 / 22308 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 24 SPENCER DR, WESTERLY, RI 02891-1286 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2023-13603 |
|---|---|
| Date | Oct 5, 2023 |
| Book Page | 2023/13603 |
| Instrument | 2023-3371 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Nov 1, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Jan 14, 2026 |
| Property Address | 24 SPENCER DR, WESTERLY, RI 02891-1286 |
| Document Number | 002026-647 |
| Book / Page | 2026 / 647 |
| Instrument Date | Jan 5, 2026 |
| Instrument | 2026-149 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 SPENCER DR, WESTERLY, RI 02891-1286 |
| Document Number | 0002026150 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 2026-150 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Dec 28, 2018 |
| Property Address | 24 SPENCER DR, WESTERLY, RI 02891-1286 |
| Document Number | 2018-2308 |
| Book / Page | 002018 / 022308 |
| Instrument Date | Dec 28, 2018 |
| Instrument | 5509 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 SPENCER DR WESTERLY RI 028911286, WESTERLY, RI 02891-1286 |
| Document Number | 2018-2310 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 002018/022310 |
| Instrument | 5510 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 27, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 24 SPENCER DR, WESTERLY, RI 02891-1286 |
| Document Number | 2017-4764 |
| Book / Page | 002017 / 004764 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2017 |
| Name | Verified Name |
|---|
| Document Number | 2017-4764 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 002017/004764 |
| Instrument | 1211 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 | $2,899.00 (+3.42%) | $372,600 (+35.05%) Land $147,400 Building $225,200 | $437,370 |
| 2023 | $2,803.00 (+0.57%) | $275,900 (-) Land $105,300 Building $170,600 | |
| 2022 | $2,787.00 | $275,900 Land $105,300 Building $170,600 |
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 | Low lower than 96% of the US · lower than 88% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 202 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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