46 Spruce Dr, Hope, RI 02831 Property Records

Scituate Town property record for 46 Spruce Dr, Hope, RI 02831

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,224 sqft · built 1987
Lot Size	0.571 acres (24,868 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,634 (2025)
Deeds & Mortgages	Feb 2021 Refinance Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-0880-99`

Property Details

APN / Parcel Number

Primary APN	`12-0880-99`
Alternative APNs	`SCIT M:10-0 L:205-00` `M:10=0 L:205=00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
Gross Area	2,448 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,868 sqft (0.571 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	12-0880-99
Street Address	46 SPRUCE DR
City	HOPE
State	RI
Zip	02831-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSW-
Legal Lot Number	205-0
Jurisdiction	SCITUATE RI
Township / Civil Division	SCITUATE
Census Block Group	4
Census Block	4030
Census Tract	13201

Owner

Source: Scituate Town records, as of June 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	46 SPRUCE DR, HOPE, RI 02831-1322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CENTERVILLE BANK
Aug 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTREVILLE BK
Aug 17, 2017	Deed of Trust, Mortgage · Conventional with PMI CENTREVILLE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCITUATE RI
Property Address	46 SPRUCE DR, HOPE, RI 02831-1322
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	789-45
Date	Feb 8, 2021
Book Page	789/45
Instrument	202100000326

Lender

Name	CENTERVILLE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCITUATE RI
Property Address	46 SPRUCE DR, HOPE, RI 02831-1322
Document Number	669-110
Book / Page	000669 / 000110
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 SPRUCE DR HOPE RI 028311322, HOPE, RI 02831-1322

Mortgage

Document Number	669-110
Date	Aug 17, 2017
Book Page	000669/000110
Instrument	1157

Lender

Name	CENTREVILLE BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 16, 2042

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCITUATE RI
Property Address	46 SPRUCE DR, HOPE, RI 02831-1322
Document Number	669-96
Book / Page	000669 / 000096
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 SPRUCE DR HOPE RI 028311322, HOPE, RI 02831-1322

Mortgage

Document Number	669-96
Date	Aug 17, 2017
Book Page	000669/000096
Instrument	1556

Lender

Name	CENTREVILLE BK

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,634.00 (+3.39%)	$267,400 (-) Land $108,400 Building $159,000
2023	$4,482.00 (+2.33%)	$267,400 (-) Land $108,400 Building $159,000
2022	$4,380.00	$267,400 Land $108,400 Building $159,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	29 (1982–2024)
Claims Outside the SFHA	14 of 29
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storm And Flooding, Dec 2023 · 4 claims Severe Storms And Flooding, Mar 2010 · 13 claims

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	Low lower than 80% of the US · above 62% of Rhode Island
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures