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55 Spencer St, West Warwick, RI 02893 Property Records

West Warwick Town property record for 55 Spencer St, West Warwick, RI 02893

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,184 sqft · built 2015
Lot Size0.23 acres (10,001 sqft)
OwnerIndividual Name on Record
Last Sale$327,500 (Aug 2019)
Tax Bill$7,682 (2025)
Deeds & MortgagesJun 2020 Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN19-0310-98

Property Details

APN / Parcel Number

Primary APN19-0310-98
Alternative APNs
  • WWAR 003-0269-0-000
  • 003=0269=0=000

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,184 sqft Living Area
Gross Area2,460 sqft
Basement Area1,904 sqft
Unfinished Basement1,104 sqft

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,001 sqft (0.23 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number19-0310-98
Street Address55 SPENCER ST
CityWEST WARWICK
StateRI
Zip02893-4445
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-10
JurisdictionWEST WARWICK RI
Township / Civil DivisionWEST WARWICK
Census Block Group1
Census Block1018
Census Tract20300

Owner

Source: West Warwick Town records, as of June 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address55 SPENCER ST, WEST WARWICK, RI 02893-4445
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 5, 2020Deed of Trust, Mortgage · Conventional Mortgage
NFM
Aug 29, 2019Warranty Deed, Transfer · Conventional Mortgage
NFM

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 29, 2019 · Amount on Record
Deed SaleAug 29, 2019 · Amount on Record
Deed Document Number20192484-3638
Record UpdatedSep 20, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWEST WARWICK RI
Property Address55 SPENCER ST, WEST WARWICK, RI 02893-4445
Document Number0024852405
Instrument DateJun 5, 2020
Transaction TypeMortgage
Record UpdatedNov 9, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address55 SPENCER ST WEST WARWICK RI 028934445, WEST WARWICK, RI 02893-4445

Mortgage

Document Number0024852405
DateJun 11, 2020
Instrument24852405
Lender
NameNFM
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 10, 2050

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWEST WARWICK RI
Recording DateAug 29, 2019
Property Address55 SPENCER ST, WEST WARWICK, RI 02893-4445
Document Number0000003638
Instrument DateAug 29, 2019
Instrument3638
Transaction TypeTransfer
Record UpdatedSep 17, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$327.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address55 SPENCER ST WEST WARWICK RI 028934445, WEST WARWICK, RI 02893-4445

Mortgage

Document Number3639
DateAug 29, 2019
Instrument3639
Lender
NameNFM
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 28, 2049

Tax Assessment & Valuation

Source: West Warwick Town assessment roll, as of June 22, 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionWest Warwick Town
Unified School DistrictWest Warwick School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,682.00 (+0.92%)$537,600 (+29.39%) Land $108,600 Building $429,000$430,920
2023$7,612.00$415,500 Land $85,500 Building $330,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1978)
Most Recent ClaimJan 1978 · rainfall accumulation

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 RiskNot 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 SystemKENT COUNTY WATER AUTHORITY
serves 94,107 people · EPA ID RI1559511
Water SourcePurchased surface water from several systems
Last State InspectionMay 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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