Westerly Town property record for 27 Spencer Dr, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 864 sqft · built 1984 |
| Lot Size | 0.302 acres (13,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,000 (Apr 1993) |
| Tax Bill | $2,935 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:17 B:46 |
| Primary APN | WEST M:17 B:46 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Gross Area | 1,810 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 | 13,136 sqft (0.302 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 20033760 |
|---|---|
| Street Address | 27 SPENCER DR |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1289 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 46 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 50901 |
27 Spencer Dr is owned and occupied by an individual who bought it in April 1993.
Source: Westerly Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 27 SPENCER DR, WESTERLY, RI 02891-1289 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Jul 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 1993 · Amount on File |
| Deed Sale | Apr 19, 1993 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | May 8, 2026 |
| Property Address | 27 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 02026-6815 |
| Book / Page | 2026 / 6815 |
| Instrument Date | May 1, 2026 |
| Instrument | 20261471 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 27 SPENCER DR, WESTERLY, RI 02891-1289 |
| Document Number | 0000001471, |
|---|---|
| Date | May 8, 2026 |
| Book Page | 2026/6815 |
| Instrument | 20261471 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 289 Months |
| Due | Jun 1, 2050 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 27 SPENCER DR, WESTERLY, RI 02891-1289 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02023-9146 |
|---|---|
| Date | Jul 14, 2023 |
| Book Page | 2023/9146 |
| Instrument | 2023-2298 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 265 Months |
| Due | Aug 1, 2045 |
The 2025 property tax bill for 27 Spencer Dr was $2,935.
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 | $2,935.00 | $377,300 Land $153,000 Building $224,300 | $487,797 |
| 2023 | $2,790.00 (+0.61%) | $274,600 (-) Land $109,300 Building $165,300 | |
| 2022 | $2,773.00 | $274,600 Land $109,300 Building $165,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 Spencer Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.
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.
The area around 27 Spencer Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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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