45 Laurel Dr, Chepachet, RI 02814 Property Records

Glocester Town property record for 45 Laurel Dr, Chepachet, RI 02814 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,728 sqft · built 1985
Lot Size	0.379 acres (16,509 sqft)
Owner	Individual Name on File
Last Sale	$263,000 (Oct 2018)
Tax Bill	$4,684 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Apr 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-0346-25`

Property Details

APN / Parcel Number

Primary APN	`13-0346-25`
Alternative APN	`GLOC M:0SU B:112`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	2,724 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,509 sqft (0.379 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13-0346-25
Street Address	45 LAUREL DR
City	CHEPACHET
State	RI
Zip	02814-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	112
Jurisdiction	GLOCESTER RI
Township / Civil Division	GLOCESTER
Census Block Group	1
Census Block	1064
Census Tract	13101

Owner

Source: Glocester Town records · APN 13-0346-25

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	Individual Name on File
Mailing Address	45 LAUREL DR, CHEPACHET, RI 02814-2019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) HOME LOAN AND INVESTMENT BANK FSB
Apr 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Feb 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Jul 01, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Oct 01, 2018	Warranty Deed, Transfer · FHA Mortgage HOME LN & INVEST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 01, 2018 · Amount on Record
Deed Sale	Oct 01, 2018 · Amount on Record
Prior Sale	Feb 09, 2018 · Amount on Record
Deed Document Number	201839575
Deed Book / Page	779 / 281
Transfer Doc	602-60
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	45 LAUREL DR, CHEPACHET, RI 02814-2019
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000908-65
Date	Jul 14, 2022
Book Page	908/65
Instrument	50066

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2037

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	45 LAUREL DR, CHEPACHET, RI 02814-2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000822-187
Date	Apr 24, 2020
Book Page	822/187
Instrument	43334

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	45 LAUREL DR, CHEPACHET, RI 02814-2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000789-165
Date	Feb 19, 2019
Book Page	789/165
Instrument	40457

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2049

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	45 LAUREL DR, CHEPACHET, RI 02814-2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000873-161
Date	Jul 01, 2021
Book Page	873/161
Instrument	47249

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

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

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOCESTER RI
Recording Date	Oct 01, 2018
Property Address	45 LAUREL DR, CHEPACHET, RI 02814-2019
Document Number	779-281
Book / Page	779 / 281
Instrument	39575
Transaction Type	Transfer
Record Updated	Jun 04, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$41.72
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	7790283
Date	Oct 01, 2018
Instrument	00779/0283

Lender

Name	HOME LN & INVEST BK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2048

Tax Assessment & Valuation

Source: Glocester Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Rhode Island
County Subdivision	Glocester Town
Secondary School District	Foster-Glocester Regional School District (06 - 12)
Elementary School District	Glocester Elementary School District (PK - 05)

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	$4,684.00 (+0.06%)	$328,500 (-) Land $111,300 Building $217,200
2023	$4,681.00 (+8.46%)	$328,500 (+42.27%) Land $111,300 Building $217,200
2022	$4,316.00	$230,900 Land $76,300 Building $154,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44007C, updated June 22, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440070131011, 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (1983–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2010, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Mar 2010 · 2 claims

Wildfire

Wildfire Risk	Low above 7% of the US · above 23% of Rhode Island
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 151 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 35
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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