15 Lovat Ln, Westerly, RI 02891 Property Records

Westerly Town property record for 15 Lovat Ln, Westerly, RI 02891 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,056 sqft · built 1959
Lot Size	0.404 acres (17,614 sqft)
Owner	2 Individual Names on File
Last Sale	$549,900 (Nov 2025)
Tax Bill	$3,566 (2025)
Deeds & Mortgages	Apr 2021 Refinance Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WEST M:97 B:163`

Property Details

APN / Parcel Number

Primary APN	`WEST M:97 B:163`
Alternative APNs	`M:097 B:163 L` `7126610`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,788 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,614 sqft (0.404 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7126610
Street Address	15 LOVAT LN
City	WESTERLY
State	RI
Zip	02891-3007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	163
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2051
Census Tract	50802

Owner

Source: Westerly Town records · APN WEST M:97 B:163

Assessment roll updated June 22, 2026 · Last verified June 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 File
Mailing Address	15 LOVAT LN, WESTERLY, RI 02891-3007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 01, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Nov 05, 2025	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC
Nov 03, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage PEOPLES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 05, 2025 · Amount on Record
Deed Sale	Nov 05, 2025 · Amount on Record
Prior Sale	Nov 03, 2023 · Amount on Record
Deed Book / Page	2025 / 16141
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	15 LOVAT LN, WESTERLY, RI 02891-3007
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021-8437
Date	Apr 01, 2021
Book Page	2021/8437
Instrument	2021-1900

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 05, 2025
Property Address	15 LOVAT LN, WESTERLY, RI 02891-3007
Document Number	2025-16141
Book / Page	2025 / 16141
Instrument Date	Nov 05, 2025
Instrument	2025-3877
Transaction Type	Transfer
Record Updated	Nov 26, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 LOVAT LN, WESTERLY, RI 02891-3007

Mortgage

Document Number	0020253878
Date	Nov 05, 2025
Instrument	2025-3878

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Nov 03, 2023
Property Address	15 LOVAT LN, WESTERLY, RI 02891-3007
Document Number	2023-14983
Book / Page	2023 / 14983
Instrument Date	Nov 03, 2023
Instrument	2023-3742
Transaction Type	Transfer
Record Updated	Nov 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LOVAT LN, WESTERLY, RI 02891-3007

Mortgage

Document Number	0020233743
Date	Nov 03, 2023
Instrument	2023-3743

Lender

Name	PEOPLES CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 01, 2030
Max Rate At Change	2.5%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 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	$3,566.00 (+15.11%)	$458,300 (+50.31%) Land $173,700 Building $284,600
2023	$3,098.00 (+0.62%)	$304,900 (-) Land $124,300 Building $180,600
2022	$3,079.00	$304,900 Land $124,300 Building $180,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090508022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 24 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (1991–2024)
Most Recent Claim	Jan 2024, tidal / storm surge
Claims By Storm	Hurricane Sandy, Oct 2012 · 2 claims Severe Storms And Flooding, Mar 2010 · 5 claims Hurricane Bob, Aug 1991 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 170 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 35
Verizon	Fiber	980 / 880
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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