45 Lloyd Bowen Ct, Chepachet, RI 02814 Property Records

Glocester Town property record for 45 Lloyd Bowen Ct, Chepachet, RI 02814

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,066 sqft · built 2020
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$835,000 (Oct 2025)
Tax Bill	$9,414 (2025)
Deeds & Mortgages	May 2022 Refinance May 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-0689-91`

Property Details

APN / Parcel Number

Primary APN	`3-0689-91`
Alternative APN	`GLOC M:014 B:261`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,066 sqft Living Area
Gross Area	5,806 sqft
1st Floor Area	2,066 sqft
Basement Area	2,066 sqft
Unfinished Basement	2,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	3-0689-91
Street Address	45 LLOYD BOWEN CT
City	CHEPACHET
State	RI
Zip	02814-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Block	261
Jurisdiction	GLOCESTER RI
Township / Civil Division	GLOCESTER
Census Block Group	1
Census Block	1009
Census Tract	13101

Owner

45 Lloyd Bowen Ct is owned and occupied by two individuals who bought it in October 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	45 LLOYD BOWEN CT, CHEPACHET, RI 02814-2154
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance RHODE ISLAND CREDIT UNION
May 16, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance US SMALL BUSINESS ADMINISTRATION
Oct 14, 2025	Warranty Deed, Transfer · Conventional Mortgage NFM LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on File
Deed Sale	Oct 14, 2025 · Amount on File
Prior Sale	Jan 28, 2020 · Amount on File
Deed Book / Page	976 / 179
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	45 LLOYD BOWEN CT, CHEPACHET, RI 02814-2154
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000904-200
Date	May 24, 2022
Book Page	904/200
Instrument	49774

Lender

Name	RHODE ISLAND CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Jun 1, 2027

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	45 LLOYD BOWEN CT, CHEPACHET, RI 02814-2154
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000945-251
Date	May 16, 2024
Book Page	945/251
Instrument	53351

Lender

Name	US SMALL BUSINESS ADMINISTRATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2039

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOCESTER RI
Recording Date	Oct 14, 2025
Property Address	45 LLOYD BOWEN CT, CHEPACHET, RI 02814-2154
Document Number	000976-179
Book / Page	976 / 179
Instrument Date	Oct 14, 2025
Instrument	55878
Transaction Type	Transfer
Record Updated	Nov 25, 2025

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	45 LLOYD BOWEN CT, CHEPACHET, RI 02814-2154

Mortgage

Document Number	0000055879
Date	Oct 14, 2025
Instrument	55879

Lender

Name	NFM LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 45 Lloyd Bowen Ct was $9,414.

Source: Glocester Town assessment roll, as of June 22, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,414.00	$660,200 Land $122,100 Building $538,100	$770,001
2023	$9,408.00 (+15.39%)	$660,200 (+51.35%) Land $122,100 Building $538,100
2022	$8,153.00	$436,200 Land $83,700 Building $352,500

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

Flood

FEMA maps place 45 Lloyd Bowen Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (1983–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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 45 Lloyd Bowen Ct 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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