43 Spruce St, Westerly, RI 02891 Property Records

Westerly Town property record for 43 Spruce St, Westerly, RI 02891

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,449 sqft · built 1920
Lot Size	0.198 acres (8,614 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Sep 2013)
Tax Bill	$2,738 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WEST M:57 B:164`

Property Details

APN / Parcel Number

Primary APN	`WEST M:57 B:164`
Alternative APNs	`M:057 B:164 L` `1012905`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,449 sqft Living Area
Gross Area	3,243 sqft

Exterior

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

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	1012905
Street Address	43 SPRUCE ST
City	WESTERLY
State	RI
Zip	02891-1946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	164
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2004
Census Tract	50801

Owner

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	Individual Name on Record
Mailing Address	43 SPRUCE ST, WESTERLY, RI 02891-1946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2013 · Amount on Record
Deed Sale	Sep 11, 2013 · Amount on Record
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	43 SPRUCE ST, WESTERLY, RI 02891-1946
Document Number	2018-1469
Book / Page	002018 / 001469
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 SPRUCE ST WESTERLY RI 028911946, WESTERLY, RI 02891-1946

Mortgage

Document Number	2018-1469
Date	Jan 30, 2018
Book Page	002018/001469
Instrument	375

Lender

Name	WASHINGTON TR CO

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Westerly Town assessment roll, as of June 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,738.00 (+3.17%)	$351,900 (+34.72%) Land $160,200 Building $191,700	$473,900
2023	$2,654.00 (+0.61%)	$261,200 (-) Land $114,700 Building $146,500
2022	$2,638.00	$261,200 Land $114,700 Building $146,500

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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	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

Violations Reported to EPA

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.

Internet Providers

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