East Lyme Town property record for 10 Virginia St, Niantic, CT 06357 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1958 |
| Square Footage | 1,125 sqft Living Area |
| Lot Size | 11,307 sqft (0.26 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $11,330 (1996) |
| Tax Bill | $5,415.00 (2025) |
| Primary APN | ELYM M:016.4 B:00042 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,125 sqft Living Area |
| Gross Area | 3,124 sqft Gross Area |
| 1st Floor | 1,125 sqft 1st Floor |
| Basement Area | 1,125 sqft Basement |
| Unfinished Basement | 250 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch Style |
| Exterior Material | Wood Siding Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 11,307 sqft (0.26 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Account Number | 4296 |
|---|---|
| Street Address | 10 VIRGINIA ST |
| City | NIANTIC |
| State | CT |
| Zip | 06357-2422 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 42 |
| Jurisdiction | EAST LYME CT |
| Minor Civil Division | EAST LYME |
| Census Blockgroup | 3 |
| Census Block | 3000 |
| Census Tract | 870704 |
Source: East Lyme Town records · APN ELYM M:016.4 B:00042 L:00000
Assessment roll updated June 25, 2026 · Last verified July 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 | 10 VIRGINIA ST, NIANTIC, CT 06357-2422 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 11, 2025 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) CHARTER OAK FCU |
| Nov 14, 2017 | Deed of Trust, Mortgage CHARTER OAK FED CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 23, 1996 · Amount on Record |
| Deed Sale | Dec 23, 1996 · Amount on Record |
| Deed Book / Page | 419 / 397 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 10 VIRGINIA ST, NIANTIC, CT 06357-2422 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001120-16 |
|---|---|
| Date | Mar 11, 2025 |
| Book Page | 1120/16 |
| Instrument | 491 |
| Name | CHARTER OAK FCU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Apr 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 10 VIRGINIA ST, NIANTIC, CT 06357-2422 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 989-549 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 989/549 |
| Name | CHARTER OAK FED CU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 01, 2047 |
Source: East Lyme Town records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | East Lyme Town |
| Unified School District | East Lyme School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,415.00 | $193,340 (-) Land $83,300 Building $110,040 | $135,338 Land $58,310 Building $77,028 |
| 2024 | $5,415.00 (+12.58%) | ||
| 2023 | $4,810.00 (+4.36%) | $193,340 (-) Land $83,300 Building $110,040 | |
| 2022 | $4,609.00 | $193,340 Land $83,300 Building $110,040 |
Source: FEMA National Flood Hazard Layer, County delivery 09011C updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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