20 Clifford Dr, Westerly, RI 02891 Property Records

Westerly Town property record for 20 Clifford Dr, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 1,920 sqft · built 1976
Lot Size	0.25 acres (10,871 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (May 2015)
Tax Bill	$5,335 (2025)
Deeds & Mortgages	Apr 2022 Refinance May 2017 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`WEST M:132 B:2`

Property Details

APN / Parcel Number

Primary APN	`WEST M:132 B:2`
Alternative APNs	`M:132 B:2 L` `2139246`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,439 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,871 sqft (0.25 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	2139246
Street Address	20 CLIFFORD DR
City	WESTERLY
State	RI
Zip	02891-4460
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	2
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2040
Census Tract	51000

Owner

20 Clifford Dr, a residential property, is owned by an individual who acquired it in December 2020.

Source: Westerly Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20 OBED HTS, OLD SAYBROOK, CT 06475-1215
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
May 1, 2017	Deed of Trust, Mortgage · Line of Credit SIGNATURE FCU
Dec 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2015 · Amount on File
Deed Sale	May 6, 2015 · Amount on File
Prior Sale	Oct 12, 1989 · Amount on File
Deed Book / Page	2015 / 6553
Last Transfer Date	Dec 21, 2020
Transfer Doc	2020-29214
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 CLIFFORD DR, WESTERLY, RI 02891-4460
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022-7964
Date	Apr 22, 2022
Book Page	2022/7964
Instrument	2022-1866

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	20 CLIFFORD DR, WESTERLY, RI 02891-4460
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017-7010
Date	May 1, 2017
Book Page	2017/7010
Instrument	1743

Lender

Name	SIGNATURE FCU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 1, 2042

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 28, 2020
Property Address	20 CLIFFORD DR, WESTERLY, RI 02891-4460
Document Number	2020-9214
Book / Page	002020 / 029214
Instrument Date	Dec 21, 2020
Instrument	6677
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CLIFFORD DR WESTERLY RI 028914460, WESTERLY, RI 02891-4460

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTERLY RI
Recording Date	Dec 8, 2020
Property Address	20 CLIFFORD DR, WESTERLY, RI 02891-4460
Document Number	2020-7686
Book / Page	002020 / 027686
Instrument Date	Nov 30, 2020
Instrument	6306
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 CLIFFORD DR WESTERLY RI 028914460, WESTERLY, RI 02891-4460

Tax Assessment & Valuation

The 2025 property tax bill for 20 Clifford Dr was $5,335.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,335.00	$750,300 Land $389,800 Building $360,500	$783,000
2023	$5,004.00 (+21.28%)	$520,200 (+20.53%) Land $278,500 Building $241,700
2022	$4,126.00	$431,600 Land $278,500 Building $153,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Clifford Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 140 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	143 units insured incl. 3 condo units
Nearby Flood Claims	28 (1985–2021)
Claims Outside the SFHA	8 of 28
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Severe Storms And Flooding, Apr 2010 · 8 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

Wildfire risk around 20 Clifford Dr is low, with a 0.01% annual chance of 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	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	WESTERLY WATER DEPARTMENT serves 35,298 people · EPA ID RI1559512
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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	22 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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