12 Penncove Rd, Niantic, CT 06357 Property Records

East Lyme Town property record for 12 Penncove Rd, Niantic, CT 06357 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,789 sqft · built 1991
Lot Size	0.81 acres (35,265 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Dec 1991)
Tax Bill	$6,200 (2025)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`ELYM M:017.1 B:00018 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ELYM M:017.1 B:00018 L:00000`
Alternative APN	`1848`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,789 sqft Living Area
Gross Area	2,781 sqft Gross Area
1st Floor Area	864 sqft 1st Floor
Basement Area	576 sqft Basement
Unfinished Basement	576 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,265 sqft (0.81 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1848
Street Address	12 PENNCOVE RD
City	NIANTIC
State	CT
Zip	06357-2532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	18
Jurisdiction	EAST LYME CT
Township / Civil Division	EAST LYME
Census Block Group	1
Census Block	1007
Census Tract	870704

Owner

Source: East Lyme Town records · APN ELYM M:017.1 B:00018 L:00000

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	12 PENNCOVE RD, NIANTIC, CT 06357-2532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 20, 1991 · Amount on Record
Deed Sale	Dec 20, 1991 · Amount on Record
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	12 PENNCOVE RD, NIANTIC, CT 06357-2532
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001095-427
Date	Apr 27, 2023
Book Page	1095/427
Instrument	756

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Tax Assessment & Valuation

Source: East Lyme Town records · Assessment roll updated June 25, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,200.00	$221,340 (-) Land $108,290 Building $113,050	$154,938 Land $75,803 Building $79,135
2024	$6,200.00 (+12.58%)
2023	$5,507.00 (+4.36%)	$221,340 (-) Land $108,290 Building $113,050
2022	$5,277.00	$221,340 Land $108,290 Building $113,050

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09011C updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 7% of Connecticut
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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