Westerly Town property record for 38 Spruce St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,850 sqft · built 1918 |
| Lot Size | 0.198 acres (8,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $276,000 (Mar 2024) |
| Tax Bill | $3,726 (2025) |
| Deeds & Mortgages | Mar 2024 Sale Mar 2024 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:57 B:102 |
| Primary APN | WEST M:57 B:102 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,850 sqft Living Area |
| Gross Area | 3,244 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,614 sqft (0.198 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 19100251 |
|---|---|
| Street Address | 38 SPRUCE ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-1945 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 102 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50801 |
38 Spruce St is owned and occupied by two individuals who bought it in March 2024.
Source: Westerly Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 8, 2024 | Warranty Deed, Transfer |
| Mar 8, 2024 | Deed, Transfer |
| Nov 27, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2024 · Amount on File |
| Deed Sale | Mar 8, 2024 · Amount on File |
| Prior Sale | Mar 8, 2024 · Amount on File |
| Deed Document Number | 2024635 |
| Deed Book / Page | 2024 / 2217 |
| Transfer Doc | 0000005194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Mar 8, 2024 |
| Property Address | 38 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 02024-2215 |
| Book / Page | 2024 / 2215 |
| Instrument Date | Mar 5, 2024 |
| Instrument | 2024-634 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Mar 8, 2024 |
| Property Address | 38 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 02024-2217 |
| Book / Page | 2024 / 2217 |
| Instrument Date | Mar 5, 2024 |
| Instrument | 2024-635 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Nov 27, 2017 |
| Property Address | 38 SPRUCE ST, WESTERLY, RI 02891-1945 |
| Document Number | 2017-855 |
| Book / Page | 002017 / 020855 |
| Instrument Date | Nov 22, 2017 |
| Instrument | 5194 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 38 SPRUCE ST WESTERLY RI 028911945, WESTERLY, RI 02891-1945 |
The 2025 property tax bill for 38 Spruce St was $3,726.
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 | $3,726.00 | $478,900 Land $160,200 Building $318,700 | $568,201 |
| 2023 | $3,251.00 (+0.59%) | $320,000 (-) Land $114,700 Building $205,300 | |
| 2022 | $3,232.00 | $320,000 Land $114,700 Building $205,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Spruce St in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1982.
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 File 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.
The area around 38 Spruce St 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 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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