Westerly Town property record for 28 Spruce St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,958 sqft · built 1940 |
| Lot Size | 0.188 acres (8,178 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Mar 2026) |
| Tax Bill | $3,879 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:57 B:98 |
| Primary APN | WEST M:57 B:98 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,958 sqft Living Area |
| Gross Area | 3,626 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 8,178 sqft (0.188 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 7231295 |
|---|---|
| Street Address | 28 SPRUCE ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1945 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 98 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50801 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 28 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY CREDIT CORPORATION |
| Mar 11, 2026 | Warranty Deed, Transfer |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional with PMI NORWICH COM'L |
| Apr 12, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2026 · Amount on Record |
| Deed Sale | Mar 11, 2026 · Amount on Record |
| Prior Sale | Oct 15, 2004 · Amount on Record |
| Deed Document Number | 2026736 |
| Deed Book / Page | 2026 / 3236 |
| Prior Transfer Date | Apr 12, 2019 |
| Prior Transfer Doc | 2019-5517 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 24, 2026 |
| Property Address | 28 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 02026-5605 |
| Book / Page | 2026 / 5605 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20261249 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 0000001249, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 2026/5605 |
| Instrument | 20261249 |
| Name | MORGAN STANLEY CREDIT CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Mar 11, 2026 |
| Property Address | 28 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 02026-3236 |
| Book / Page | 2026 / 3236 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 2026-736 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 28 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 28 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 2020-2943 |
| Instrument Date | Oct 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 28 SPRUCE ST WESTERLY RI 028911945, WESTERLY, RI 02891-1945 |
| Document Number | 2020-2943 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 002020/022943 |
| Instrument | 5238 |
| Name | NORWICH COM'L |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 25, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Apr 12, 2019 |
| Property Address | 28 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 2019-5517 |
| Book / Page | 002019 / 005517 |
| Instrument Date | Apr 12, 2019 |
| Instrument | 1447 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 SPRUCE ST WESTERLY RI 028911945, WESTERLY, RI 02891-1945 |
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 | $3,879.00 (+11.88%) | $498,600 (+46.13%) Land $160,000 Building $338,600 | $677,012 |
| 2023 | $3,467.00 (+0.61%) | $341,200 (-) Land $114,500 Building $226,700 | |
| 2022 | $3,446.00 | $341,200 Land $114,500 Building $226,700 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 23 (1982–2021) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2021 · other causes |
| 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 442 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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