11 Osprey Rd, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 11 Osprey Rd, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,782 sqft · built 1985
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Aug 2021)
Tax Bill	$8,164 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OSAY M:003 B:350 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:003 B:350 L`
Alternative APN	`56000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,782 sqft Living Area
Gross Area	3,258 sqft
1st Floor Area	1,080 sqft
Basement Area	936 sqft
Unfinished Basement	140 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	56000
Street Address	11 OSPREY RD
City	OLD SAYBROOK
State	CT
Zip	06475-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	350
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3015
Census Tract	670200

Owner

11 Osprey Rd is owned and occupied by two individuals who bought it in August 2021.

Source: Old Saybrook Town records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 OSPREY RD, OLD SAYBROOK, CT 06475-2818
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK
Aug 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage LIBERTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on File
Deed Sale	Aug 16, 2021 · Amount on File
Prior Sale	Jan 25, 2005 · Amount on File
Deed Book / Page	667 / 427
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jul 23, 2026
Property Address	11 OSPREY RD, OLD SAYBROOK, CT 06475-2818
Document Number	0708000327
Book / Page	708 / 327
Instrument Date	Jun 15, 2026
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 OSPREY RD, OLD SAYBROOK, CT 06475-2818

Mortgage

Document Number	0708000327,
Date	Jul 23, 2026
Book Page	708/327

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	11 OSPREY RD, OLD SAYBROOK, CT 06475-2818
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000685-7
Date	Jun 27, 2023
Book Page	685/7

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Aug 16, 2021
Property Address	11 OSPREY RD, OLD SAYBROOK, CT 06475-2818
Document Number	667-427
Book / Page	667 / 427
Instrument Date	Aug 13, 2021
Transaction Type	Transfer
Record Updated	Sep 16, 2021

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	667429
Date	Aug 16, 2021
Instrument	667/429

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2026
Max Rate At Change	2.25%
Index	LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 11 Osprey Rd was $8,164.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,164.00	$526,700 Land $195,000 Building $331,700	$368,690 Land $136,500 Building $232,190
2024	$8,164.00 (+42.88%)
2023	$5,714.00 (+1.85%)	$279,400 (-) Land $132,400 Building $147,000
2022	$5,610.00	$279,400 Land $132,400 Building $147,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 11 Osprey Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 11 Osprey 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 98% of the US · lower than 97.2% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people · EPA ID CT0608011
Water Source	Surface water
Last State Inspection	Jun 2025
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	None 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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