91 Spofford Ave, Warwick, RI 02888 Property Records

Warwick City property record for 91 Spofford Ave, Warwick, RI 02888

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,356 sqft · built 1950
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$121,000 (May 1994)
Tax Bill	$4,963 (2025)
Deeds & Mortgages	Jun 2020 Refinance May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28801640000`

Property Details

APN / Parcel Number

Primary APN	`28801640000`
Alternative APNs	`WARW M:288 B:0164 L:0000` `100160290`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,356 sqft Living Area
Gross Area	3,673 sqft
1st Floor Area	953 sqft
Basement Area	953 sqft
Unfinished Basement	228 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	100160290
Street Address	91 SPOFFORD AVE
City	WARWICK
State	RI
Zip	02888-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A7
Legal Block	164
Jurisdiction	WARWICK RI
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2022
Census Tract	21001

Owner

Source: Warwick City 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 Record	Individual Name on Record
Mailing Address	91 SPOFFORD AVE, WARWICK, RI 02888-1816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
May 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 1994 · Amount on Record
Deed Sale	May 26, 1994 · Amount on Record
Deed Book / Page	2223 / 322
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	91 SPOFFORD AVE, WARWICK, RI 02888-1816
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9530-123
Date	Jun 4, 2020
Book Page	9530/123
Instrument	7809

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARWICK RI
Property Address	91 SPOFFORD AVE, WARWICK, RI 02888-1816
Document Number	9282-50
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPOFFORD AVE WARWICK RI 028881816, WARWICK, RI 02888-1816

Mortgage

Document Number	9282-50
Date	Jun 7, 2019
Book Page	009282/000050
Instrument	7301

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2049

Tax Assessment & Valuation

Source: Warwick City assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Rhode Island
Municipality	Warwick City
Unified School District	Warwick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,963.00 (+6.27%)	$390,800 (+18.75%) Land $107,400 Building $283,400
2024			$406,790
2023	$4,670.00 (+4.4%)	$329,100 (+37.81%) Land $93,400 Building $235,700
2022	$4,473.00	$238,800 Land $61,800 Building $177,000

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1983–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 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 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	WARWICK-CITY OF serves 73,289 people · EPA ID RI1615627
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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	1 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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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