103 W Main St, Apt 16, Niantic, CT 06357 Property Records

East Lyme Town property record for 103 W Main St, Apt 16, Niantic, CT 06357

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,520 sqft · built 1984
Owner	Individual Name on Record
Last Sale	$185,000 (Oct 2016)
Tax Bill	$3,608 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ELYM M:010.4 B:00047 L:00016`

Property Details

APN / Parcel Number

Primary APN	`ELYM M:010.4 B:00047 L:00016`
Alternative APN	`5342`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Units	8 Units
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	728 sqft
Attic	Attic
Attic Area	320 sqft
Basement Area	664 sqft
Unfinished Basement	344 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	5342
Street Address	103 W MAIN ST, 16
City	NIANTIC
State	CT
Zip	06357-1748
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CA
Legal Block	47
Legal Lot Number	16
Jurisdiction	EAST LYME CT
Township / Civil Division	EAST LYME
Census Block Group	1
Census Block	1000
Census Tract	716101

Owner

Source: East Lyme Town records, as of June 25, 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 Record
Mailing Address	103 W MAIN ST, 16, NIANTIC, CT 06357-1748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2016 · Amount on Record
Deed Sale	Oct 20, 2016 · Amount on Record
Prior Sale	Sep 17, 1999 · Amount on Record
Deed Book / Page	971 / 270
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	103 W MAIN ST APT 16, 16, NIANTIC, CT 06357-1748
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	463-490
Date	Apr 29, 2021
Book Page	463/490

Lender

Name	HOMESIDE FINANCIAL

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

Source: East Lyme Town assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,608.00	$128,800 (-) Building $128,800	$90,160 Building $90,160
2024	$3,608.00 (+12.57%)
2023	$3,205.00 (+4.36%)	$128,800 (-) Building $128,800
2022	$3,071.00	$128,800 Building $128,800

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 86% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST LYME WATER & SEWER COMMISSION serves 15,245 people · EPA ID CT0450011
Water Source	Purchased surface water from NEW LONDON DEPT. OF PUBLIC UTILITIES
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 2,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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