15 Cottage Rd, Old Lyme, CT 06371 Property Records

Old Lyme Town property record for 15 Cottage Rd, Old Lyme, CT 06371

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,344 sqft · built 1940
Lot Size	0.29 acres (12,632 sqft)
Owner	Trust Name on File
Last Sale	$910,000 (Mar 2022)
Tax Bill	$12,414 (2025)
Deeds & Mortgages	May 2023 Transfer May 2022 Transfer + 1 more
Flood Zone	Zone VE (high risk)
APN	`OLYM M:69 L:85`

Property Details

APN / Parcel Number

Primary APN	`OLYM M:69 L:85`
Alternative APNs	`00357200` `357200`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,561 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	357200
Street Address	15 COTTAGE RD
City	OLD LYME
State	CT
Zip	06371-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Lot Number	85
Jurisdiction	OLD LYME CT
Township / Civil Division	OLD LYME
Census Block Group	2
Census Block	2008
Census Tract	660104

Owner

15 Cottage Rd is held in a trust since May 2023.

Source: Old Lyme Town records, as of June 29, 2026

Owner of Record	Trust Name on File
Mailing Address	75 OLD WOOD RD, AVON, CT 06001-2615
Owner Type	Individual
Vesting	Trust

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
May 12, 2023	Quit Claim Deed, Transfer Quitclaim
May 23, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Deed Book / Page	449 / 820
Last Transfer Date	May 10, 2023
Transfer Doc	000455-744
Record Updated	Sep 20, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD LYME CT
Recording Date	May 12, 2023
Property Address	15 COTTAGE RD, OLD LYME, CT 06371-1905
Document Number	000455-744
Book / Page	455 / 744
Instrument Date	May 10, 2023
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 OLD WOOD RD, AVON, CT 06001-2615

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD LYME CT
Recording Date	May 23, 2022
Property Address	15 COTTAGE RD, OLD LYME, CT 06371-1905
Document Number	00450-1065
Book / Page	450 / 1065
Instrument Date	Apr 20, 2022
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Mar 8, 2022
Property Address	15 COTTAGE RD, OLD LYME, CT 06371-1905
Document Number	000449-820
Book / Page	449 / 820
Instrument Date	Mar 2, 2022
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	0000449824
Date	Mar 8, 2022
Instrument	449/824

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	000449-835
Date	Mar 8, 2022
Book Page	449/835

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 15 Cottage Rd was $12,414.

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	$12,414.00	$764,900 Land $600,300 Building $164,600	$535,430 Land $420,210 Building $115,220
2024	$12,414.00 (-1.28%)
2023	$12,575.00 (+0.49%)	$535,100 (+0.49%) Land $442,100 Building $93,000
2022	$12,514.00	$532,500 Land $442,100 Building $90,400

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

Flood

FEMA maps place 15 Cottage Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 15 Cottage 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-SOUND VIEW private · serves 3,397 people · EPA ID CT1050732
Water Source	Groundwater
Last State Inspection	Dec 2024
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 166 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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