100 Cove Rd, Stonington, CT 06378 Property Records

Stonington Town property record for 100 Cove Rd, Stonington, CT 06378

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,806 sqft · built 1881
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Trust Names on File
Last Sale	$2,100,000 (Feb 2024)
Tax Bill	$26,257 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2023 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`STON M:131 B:2 L:13`

Property Details

APN / Parcel Number

Primary APN	`STON M:131 B:2 L:13`
Alternative APNs	`STNG M:131 B:2 L:13` `0189100` `189100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area
Gross Area	3,872 sqft
1st Floor Area	1,254 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1881
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Deck Area	Deck Area
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	189100
Street Address	100 COVE RD
City	STONINGTON
State	CT
Zip	06378-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40
Legal Block	2
Legal Lot Number	13
Jurisdiction	STONINGTON CT
Township / Civil Division	STONINGTON
Census Block Group	2
Census Block	2002
Census Tract	705300

Owner

100 Cove Rd is owner-occupied and held in a trust since February 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	100 COVE RD, STONINGTON, CT 06378-2301
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living 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
Apr 11, 2023	Deed of Trust, Mortgage · ARM UNION SAVINGS BANK
Sep 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance UNION SAVINGS BANK
Feb 12, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2024 · Amount on File
Deed Sale	Feb 12, 2024 · Amount on File
Deed Book / Page	855 / 668
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONINGTON CT
Property Address	100 COVE RD, STONINGTON, CT 06378-2301
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000846-936
Date	Apr 11, 2023
Book Page	846/936
Instrument	3281220023

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	May 1, 2030
Index	1-Year CMT

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONINGTON CT
Property Address	100 COVE RD, STONINGTON, CT 06378-2301
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000851-180
Date	Sep 8, 2023
Book Page	851/180
Instrument	3302740014

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STONINGTON CT
Recording Date	Feb 12, 2024
Property Address	100 COVE RD, STONINGTON, CT 06378-2301
Document Number	000855-668
Book / Page	855 / 668
Instrument Date	Feb 9, 2024
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount 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
Address	100 COVE RD, STONINGTON, CT 06378-2301

Tax Assessment & Valuation

The 2026 property tax bill for 100 Cove Rd was $26,257, up 82.8% from the year before.

Source: Stonington Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Stonington Town
Unified School District	Stonington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$26,257.00 (+82.77%)	$1,287,100 (+73.63%) Land $344,900 Building $942,200	$1,443,933 (+178.26%)
2025	$14,366.00	$741,300 Land $344,900 Building $396,400	$518,910 Land $241,430 Building $277,480
2024	$14,366.00 (+4.74%)
2023	$13,716.00 (+7.8%)	$741,400 (+45.14%) Land $344,900 Building $396,500
2022	$12,724.00	$510,800 Land $277,100 Building $233,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 100 Cove Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 100 Cove Rd is low, with less than 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 96% of the US · lower than 94% of Connecticut
Wildfire Likelihood	Under 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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