28 Clifford Dr, Westerly, RI 02891 Property Records

Westerly Town property record for 28 Clifford Dr, Westerly, RI 02891

Property Summary

Property Type	Seasonal / Vacation Home
Details	2,608 sqft · built 2024
Lot Size	0.26 acres (11,307 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Mar 2025)
Tax Bill	$4,058 (2025)
Deeds & Mortgages	Nov 2024 Refinance Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`WEST M:132 B:6`

Property Details

APN / Parcel Number

Primary APN	`WEST M:132 B:6`
Alternative APNs	`M:132 B:6 L` `7157501`

Interior

Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	2,998 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,307 sqft (0.26 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7157501
Street Address	28 CLIFFORD DR
City	WESTERLY
State	RI
Zip	02891-4460
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	6
Jurisdiction	WESTERLY RI
Township / Civil Division	WESTERLY
Census Block Group	2
Census Block	2040
Census Tract	51000

Owner

28 Clifford Dr, a residential property, is owned by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	30 CLIFFORD DR, WESTERLY, RI 02891-4460
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 4, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BUILDER FINANCIAL SERVICES LLC
Mar 19, 2025	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage WESTERLY COMMUNITY CU
Jul 24, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2025 · Amount on File
Deed Sale	Mar 19, 2025 · Amount on File
Prior Sale	Jul 24, 2020 · Amount on File
Deed Book / Page	2025 / 3293
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTERLY RI
Property Address	28 CLIFFORD DR, WESTERLY, RI 02891-4460
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024-14769
Date	Nov 4, 2024
Book Page	2024/14769
Instrument	2024-3741

Lender

Name	BUILDER FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Mar 19, 2025
Property Address	28 CLIFFORD DR, WESTERLY, RI 02891-4460
Document Number	02025-3293
Book / Page	2025 / 3293
Instrument Date	Mar 19, 2025
Instrument	2025-818
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	30 CLIFFORD DR, WESTERLY, RI 02891-4460

Mortgage

Document Number	0002025819
Date	Mar 19, 2025
Instrument	2025-819

Lender

Name	WESTERLY COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTERLY RI
Recording Date	Jul 24, 2020
Property Address	28 CLIFFORD DR, WESTERLY, RI 02891-4460
Document Number	2020-4434
Book / Page	002020 / 014434
Instrument Date	Jul 23, 2020
Instrument	3352
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 MEADOWBROOK RD WEST HARTFORD CT 061072533, WEST HARTFORD, CT 06107-2533

Tax Assessment & Valuation

The 2025 property tax bill for 28 Clifford Dr was $4,058.

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	$4,058.00	$570,800 Land $305,500 Building $265,300	$1,264,156
2023	$1,399.00 (+0.65%)	$145,400 (-) Land $145,400
2022	$1,390.00	$145,400 Land $145,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 28 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 28 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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