106 Neck Rd, Old Lyme, CT 06371 Property Records

Old Lyme Town property record for 106 Neck Rd, Old Lyme, CT 06371

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,105 sqft · built 1962
Lot Size	1.71 acres (74,487 sqft)
Owner	2 Individual Names on File
Last Sale	$563,000 (Jul 2025)
Tax Bill	$5,262 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2025 Sale & Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`OLYM M:27 L:35`

Property Details

APN / Parcel Number

Primary APN	`OLYM M:27 L:35`
Alternative APNs	`00127400` `127400`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,105 sqft Living Area
Gross Area	4,732 sqft
Basement Area	1,208 sqft
Unfinished Basement	1,208 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,487 sqft (1.71 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	127400
Street Address	106 NECK RD
City	OLD LYME
State	CT
Zip	06371-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU80
Legal Lot Number	35
Jurisdiction	OLD LYME CT
Township / Civil Division	OLD LYME
Census Block Group	2
Census Block	2009
Census Tract	660101

Owner

106 Neck Rd is owned and occupied by two individuals who bought it in July 2025.

Source: Old Lyme Town records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 NECK RD, OLD LYME, CT 06371-1120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jan 8, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 8, 2025	Warranty Deed, Transfer · Line of Credit NAVY FCU
Feb 9, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage USAA FSB
Nov 8, 2021	Warranty Deed, Transfer · Commercial Mortgage FOUNDATION CRED FUND
Nov 8, 2021	Warranty Deed, Transfer · Commercial Mortgage FOUNDATION CRED FUND
Mar 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PINNACLE FINANCIAL SERVICES LLC
Jan 8, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on File
Deed Sale	Jul 8, 2025 · Amount on File
Prior Sale	Feb 9, 2023 · Amount on File
Deed Book / Page	466 / 782
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD LYME CT
Property Address	106 NECK RD, OLD LYME, CT 06371-1120
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440-52
Date	Jan 8, 2021
Book Page	440/52

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2046

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Jul 8, 2025
Property Address	106 NECK RD, OLD LYME, CT 06371-1120
Document Number	000466-782
Book / Page	466 / 782
Instrument Date	Jul 3, 2025
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000466785
Date	Jul 8, 2025
Instrument	466/785

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Feb 9, 2023
Property Address	106 NECK RD, OLD LYME, CT 06371-1120
Document Number	000454-267
Book / Page	454 / 267
Instrument Date	Feb 1, 2023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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

Mortgage

Document Number	0000454270
Date	Feb 9, 2023
Instrument	454/270

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Nov 8, 2021
Property Address	106 NECK RD, OLD LYME, CT 06371-1120
Document Number	447-482
Book / Page	447 / 482
Instrument Date	Oct 22, 2021
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	447-485
Date	Nov 8, 2021
Book Page	447/485

Lender

Name	FOUNDATION CRED FUND

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Nov 8, 2021
Property Address	106 NECK RD, OLD LYME, CT 06371-1120
Document Number	000447-482
Book / Page	447 / 482
Instrument Date	Oct 22, 2021
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000447485
Date	Nov 8, 2021
Instrument	447/485

Lender

Name	FOUNDATION CRED FUND

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Mar 3, 2021
Property Address	106 NECK RD, OLD LYME, CT 06371-1120
Document Number	441-519
Book / Page	441 / 519
Instrument Date	Mar 2, 2021
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV 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

Mortgage

Document Number	441522
Date	Mar 3, 2021
Instrument	441/522

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD LYME CT
Property Address	106 NECK RD, OLD LYME, CT 06371-1120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440-52
Date	Jan 8, 2021
Book Page	440/52

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 106 Neck Rd was $5,262.

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Old Lyme Town
Unified School District	Regional School District 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,262.00	$324,200 Land $134,500 Building $189,700	$226,940 Land $94,150 Building $132,790
2024	$5,262.00 (-12.84%)
2023	$6,037.00	$256,900 (-) Land $108,600 Building $148,300
2022	$6,037.00	$256,900 Land $108,600 Building $148,300

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 106 Neck Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 106 Neck 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 55% of Connecticut
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 36 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 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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