Hello Makalvy – Ann here.
The first thing we would like is a photo. If it it hosted somewhere online a simple link to the image would give us all a chance to see the details – especially on the back.
You didn't mention just what the background stonework was – or the inlay, so a photo is really a must.
It would be also helpful to know where you live and where and how you came to own this item.
The 14k mark should be clear (have you had it tested or appraised? While the '81' could mean anything as you didn't say if it was stamped or added later?
The clasp sounds like a 'slide' from your description.
Good luck with the sale…
HTH