32 Spencer St, West Warwick, RI 02893 Property Records

West Warwick Town property record for 32 Spencer St, West Warwick, RI 02893

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,698 sqft · built 1960
Lot Size	0.258 acres (11,252 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Jan 2019)
Tax Bill	$5,732 (2025)
Deeds & Mortgages	Mar 2022 Refinance Apr 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-0133-22`

Property Details

APN / Parcel Number

Primary APN	`18-0133-22`
Alternative APNs	`WWAR 003-0327-0-000` `003=0327=0=000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,698 sqft Living Area
Gross Area	4,149 sqft
Basement Area	1,573 sqft
Unfinished Basement	1,573 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,252 sqft (0.258 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	18-0133-22
Street Address	32 SPENCER ST
City	WEST WARWICK
State	RI
Zip	02893-4444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Jurisdiction	WEST WARWICK RI
Township / Civil Division	WEST WARWICK
Census Block Group	1
Census Block	1019
Census Tract	20300

Owner

Source: West Warwick Town records, as of June 22, 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 Record
Mailing Address	32 SPENCER ST, WEST WARWICK, RI 02893-4444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PAWTUCKET CU
Apr 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PAWTUCKET CU
Oct 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED BK
Jan 22, 2019	Warranty Deed, Transfer
Oct 26, 2017	Warranty Deed, Transfer · Conventional with PMI PAWTUCKET CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2019 · Amount on Record
Deed Sale	Jan 22, 2019 · Amount on Record
Prior Sale	Oct 26, 2017 · Amount on Record
Deed Document Number	20192484-255
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST WARWICK RI
Property Address	32 SPENCER ST, WEST WARWICK, RI 02893-4444
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024871466
Date	Mar 22, 2022
Instrument	2487-1466

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2047

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST WARWICK RI
Property Address	32 SPENCER ST, WEST WARWICK, RI 02893-4444
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24862277
Date	Apr 9, 2021
Instrument	2486-2277

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST WARWICK RI
Property Address	32 SPENCER ST, WEST WARWICK, RI 02893-4444
Document Number	0000005614
Instrument Date	Oct 12, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPENCER ST WEST WARWICK RI 028934444, WEST WARWICK, RI 02893-4444

Mortgage

Document Number	0000005614
Date	Dec 27, 2019
Instrument	5614

Lender

Name	UNITED BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 26, 2029

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST WARWICK RI
Recording Date	Jan 22, 2019
Property Address	32 SPENCER ST, WEST WARWICK, RI 02893-4444
Document Number	0000000255
Instrument Date	Jan 18, 2019
Instrument	255
Transaction Type	Transfer
Record Updated	Feb 6, 2019

Transaction

Amount	Amount Recorded
Tax	$295.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPENCER ST WEST WARWICK RI 028934444, WEST WARWICK, RI 02893-4444

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST WARWICK RI
Recording Date	Oct 26, 2017
Property Address	32 SPENCER ST, WEST WARWICK, RI 02893-4444
Document Number	0000003606
Instrument Date	Oct 26, 2017
Instrument	3606
Transaction Type	Transfer
Record Updated	Nov 14, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPENCER ST WEST WARWICK RI 028934444, WEST WARWICK, RI 02893-4444

Mortgage

Document Number	3607
Date	Oct 26, 2017
Instrument	3607

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2047

Tax Assessment & Valuation

Source: West Warwick Town assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	West Warwick Town
Unified School District	West Warwick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,732.00 (+3.95%)	$401,100 (+33.26%) Land $82,300 Building $318,800	$425,315
2023	$5,514.00	$301,000 Land $66,500 Building $234,500

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978 · rainfall accumulation

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENT COUNTY WATER AUTHORITY serves 94,107 people · EPA ID RI1559511
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	2 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	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 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

May also be available: T-Mobile.

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