Westerly Town property record for 15 Clay Ln, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 1987 |
| Lot Size | 0.414 acres (18,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $316,000 (Sep 2017) |
| Tax Bill | $3,266 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:78 B:56 |
| Primary APN | WEST M:78 B:56 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 2,568 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,049 sqft (0.414 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1078566 |
|---|---|
| Street Address | 15 CLAY LN |
| City | WESTERLY |
| State | RI |
| Zip | 02891-2518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 56 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 50901 |
Source: Westerly Town records · APN WEST M:78 B:56
Assessment roll updated June 22, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 15 CLAY LN, WESTERLY, RI 02891-2518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 03, 2020 | Quit Claim Deed, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 08, 2017 | Warranty Deed, Transfer · FHA Mortgage PRIMARY RESID'L MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 08, 2017 · Amount on Record |
| Deed Sale | Sep 08, 2017 · Amount on Record |
| Deed Document Number | 20173913 |
| Last Transfer Date | Feb 20, 2020 |
| Transfer Doc | 2020-3690 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 15 CLAY LN, WESTERLY, RI 02891-2518 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022-17857 |
|---|---|
| Date | Oct 17, 2022 |
| Book Page | 2022/17857 |
| Instrument | 2022-4326 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Nov 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Mar 03, 2020 |
| Property Address | 15 CLAY LN, WESTERLY, RI 02891-2518 |
| Document Number | 2020-3690 |
| Book / Page | 2020 / 3690 |
| Instrument Date | Feb 20, 2020 |
| Instrument | 2020-886 |
| Transaction Type | Transfer |
| Record Updated | Jun 04, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 CLAY LN, WESTERLY, RI 02891-2518 |
| Investor | Possibly a Property Investor |
| Document Number | 2020-3694 |
|---|---|
| Date | Mar 03, 2020 |
| Book Page | 2020/3694 |
| Instrument | 2020-887 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTERLY RI |
| Recording Date | Sep 08, 2017 |
| Property Address | 15 CLAY LN, WESTERLY, RI 02891-2518 |
| Document Number | 2017-5966 |
| Book / Page | 002017 / 015966 |
| Instrument Date | Sep 06, 2017 |
| Instrument | 3913 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $316.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 CLAY LN WESTERLY RI 028912518, WESTERLY, RI 02891-2518 |
| Document Number | 2017-5969 |
|---|---|
| Date | Sep 08, 2017 |
| Book Page | 002017/015969 |
| Instrument | 3914 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 07, 2047 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,266.00 (-5.36%) | $419,800 (+23.58%) Land $173,800 Building $246,000 |
| 2023 | $3,451.00 (+0.58%) | $339,700 (-) Land $124,400 Building $215,300 |
| 2022 | $3,431.00 | $339,700 Land $124,400 Building $215,300 |
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
| 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 | 8 in force |
| Nearby Flood Claims | 4 (2010) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
| 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 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.
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 | 980 / 880 |
Based on FCC filings for 208 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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 |
| 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.
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