45 Spruce St, Westerly, RI 02891 Property Records

Westerly Town property record for 45 Spruce St, Westerly, RI 02891

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,440 sqft · built 1920
Lot Size	0.148 acres (6,436 sqft)
Owner	2 Company Names on File
Tax Bill	$2,846 (2025)
Deeds & Mortgages	Nov 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`WEST M:57 B:163`

Property Details

APN / Parcel Number

Primary APN	`WEST M:57 B:163`
Alternative APNs	`M:057 B:163 L` `19163311`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	3,762 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	6,436 sqft (0.148 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	19163311
Street Address	45 SPRUCE ST
City	WESTERLY
State	RI
Zip	02891-1946
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	163
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2004
Census Tract	50801

Owner

Source: Westerly Town records · APN WEST M:57 B:163

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	2025-17262
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 25, 2025
Property Address	45 SPRUCE ST, WESTERLY, RI 02891-1946
Document Number	2025-17262
Book / Page	2025 / 17262
Instrument Date	Nov 06, 2025
Instrument	2025-4160
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	$2,846.00 (+6.59%)	$365,800 (+39.19%) Land $159,500 Building $206,300
2023	$2,670.00 (+0.6%)	$262,800 (-) Land $114,000 Building $148,800
2022	$2,654.00	$262,800 Land $114,000 Building $148,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Rhode Island
Wildfire Likelihood	Under 0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Based on FCC filings for 442 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WESTERLY WATER DEPARTMENT serves 35,298 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.