77 Elbow Rock Rd, Chepachet, RI 02814 Property Records

Glocester Town property record for 77 Elbow Rock Rd, Chepachet, RI 02814

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,715 sqft · built 2007
Lot Size	9.16 acres (399,097 sqft)
Owner	Trust Name on File
Last Sale	$185,000 (Jul 2007)
Tax Bill	$6,879 (2025)
Deeds & Mortgages	Sep 2021 Refinance Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-0298-50`

Property Details

APN / Parcel Number

Primary APN	`12-0298-50`
Alternative APN	`GLOC M:008 B:045`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,715 sqft Living Area
Gross Area	3,240 sqft
1st Floor Area	1,052 sqft
Basement Area	1,052 sqft
Unfinished Basement	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	399,097 sqft (9.16 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	12-0298-50
Street Address	77 ELBOW ROCK RD
City	CHEPACHET
State	RI
Zip	02814-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Block	45
Jurisdiction	GLOCESTER RI
Township / Civil Division	GLOCESTER
Census Block Group	1
Census Block	1027
Census Tract	13101

Owner

77 Elbow Rock Rd is owner-occupied and held in a trust since August 2020.

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

Owner of Record	Trust Name on File
Mailing Address	77 ELBOW ROCK RD, CHEPACHET, RI 02814-1806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVIGANT CREDIT UNION
Sep 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 16, 2020	Deed of Trust, Mortgage · Line of Credit NAVIGANT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2007 · Amount on File
Deed Sale	Jul 9, 2007 · Amount on File
Deed Book / Page	479 / 137
Last Transfer Date	Aug 27, 2020
Transfer Doc	836-96
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	77 ELBOW ROCK RD, CHEPACHET, RI 02814-1806
Transaction Type	Mortgage
Record Updated	Oct 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	882-323
Date	Sep 27, 2021
Book Page	882/323
Instrument	48016

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOCESTER RI
Recording Date	Sep 8, 2020
Property Address	77 ELBOW ROCK RD, CHEPACHET, RI 02814-1806
Document Number	836-96
Book / Page	000836 / 000096
Instrument Date	Aug 27, 2020
Instrument	44403
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 ELBOW ROCK RD CHEPACHET RI 028141806, CHEPACHET, RI 02814-1806

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOCESTER RI
Property Address	77 ELBOW ROCK RD, CHEPACHET, RI 02814-1806
Document Number	828-17
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 ELBOW ROCK RD CHEPACHET RI 028141806, CHEPACHET, RI 02814-1806

Mortgage

Document Number	828-17
Date	Jun 25, 2020
Book Page	000828/000017
Instrument	43749

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 77 Elbow Rock Rd was $6,879.

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	$6,879.00	$482,400 Land $172,300 Building $310,100	$521,740
2023	$6,874.00 (+6.92%)	$482,400 (+40.23%) Land $172,300 Building $310,100
2022	$6,429.00	$344,000 Land $113,100 Building $230,900

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

Flood

FEMA maps place 77 Elbow Rock Rd 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 77 Elbow Rock Rd 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 4 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 and 4G LTE (outdoors only)

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