12 Cliff Dr, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 12 Cliff Dr, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1992
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$236,000 (Nov 2003)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`602400`

Property Details

APN / Parcel Number

Primary APN	`602400`
Alternative APN	`OSAY M:058 B:024 L:44`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	1,586 sqft
1st Floor Area	768 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,284 sqft (0.81 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	602400
Street Address	12 CLIFF DR
City	OLD SAYBROOK
State	CT
Zip	06475-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA-2
Legal Subdivision	RIDGLEY CONDO
Legal Block	24
Legal Lot Number	44
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3003
Census Tract	670100

Owner

Source: Old Saybrook 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	2 Individual Names on Record
Mailing Address	12 CLIFF DR, OLD SAYBROOK, CT 06475-1230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2020	Deed of Trust, Mortgage · Balloon Mortgage EQUITY RESOURCES INC
May 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2003 · Amount on Record
Deed Sale	Nov 4, 2003 · Amount on Record
Prior Sale	Jun 29, 2000 · Amount on Record
Deed Book / Page	450 / 529
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	12 CLIFF DR, OLD SAYBROOK, CT 06475-1230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	655-331
Date	Oct 7, 2020
Book Page	655/331

Lender

Name	EQUITY RESOURCES INC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	12 CLIFF DR, OLD SAYBROOK, CT 06475-1230
Document Number	635-173
Instrument Date	May 5, 2018
Transaction Type	Mortgage
Record Updated	Sep 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CLIFF DR OLD SAYBROOK CT 064751230, OLD SAYBROOK, CT 06475-1230

Mortgage

Document Number	635-173
Date	Aug 8, 2018
Book Page	000635/000173

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Aug 7, 2025

Tax Assessment & Valuation

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	$4,083.00	$263,400 (+47.56%) Land $121,700 Building $141,700	$184,380 Land $85,190 Building $99,190
2024	$4,083.00 (+11.86%)
2023	$3,650.00 (+1.84%)	$178,500 (-) Land $77,100 Building $101,400
2022	$3,584.00	$178,500 Land $77,100 Building $101,400

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 November 28, 2025

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 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.

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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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