40 Spruce St, Westerly, RI 02891 Property Records

Westerly Town property record for 40 Spruce St, Westerly, RI 02891 · Last verified July 2026

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 3,671 sqft · built 1920
Lot Size	0.198 acres (8,614 sqft)
Owner	2 Company Names on File
Tax Bill	$4,769 (2025)
Deeds & Mortgages	Nov 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`WEST M:57 B:103`

Property Details

APN / Parcel Number

Primary APN	`WEST M:57 B:103`
Alternative APNs	`M:057 B:103 L` `19163310`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,671 sqft Living Area
Gross Area	6,882 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,614 sqft (0.198 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19163310
Street Address	40 SPRUCE ST
City	WESTERLY
State	RI
Zip	02891-1945
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	103
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	4
Census Block	4007
Census Tract	50801

Owner

Source: Westerly Town records · APN WEST M:57 B:103

Assessment roll updated June 22, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	40 SPRUCE ST, WESTERLY, RI 02891-1945
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Nov 06, 2025
Transfer Doc	2025-17260
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 25, 2025
Property Address	40 SPRUCE ST, WESTERLY, RI 02891-1945
Document Number	2025-17260
Book / Page	2025 / 17260
Instrument Date	Nov 06, 2025
Instrument	2025-4150
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SPRUCE ST, WESTERLY, RI 02891-1945

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$4,769.00 (+15.25%)	$613,000 (+50.5%) Land $160,200 Building $452,800
2023	$4,138.00 (+0.58%)	$407,300 (-) Land $114,700 Building $292,600
2022	$4,114.00	$407,300 Land $114,700 Building $292,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090508014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
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 Storm	Severe Storms And Flooding, Mar 2010 · 4 claims Hurricane Gloria, Sep 1985 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 442 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fiber	980 / 880

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.