East Lyme Town property record for 15 Cove Hill Rd, Niantic, CT 06357
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 4,470 sqft · built 1995 |
| Lot Size | 6.27 acres (273,331 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $17,791 (2025) |
| Deeds & Mortgages | Apr 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ELYM M:022.3 B:00007 L:00000 |
| Primary APN | ELYM M:022.3 B:00007 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,470 sqft Living Area |
| Gross Area | 9,173 sqft |
| 1st Floor Area | 1,862 sqft |
| Attic | Attic |
| Attic Area | 856 sqft |
| Basement Area | 1,862 sqft |
| Unfinished Basement | 1,862 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 273,331 sqft (6.27 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 3078 |
|---|---|
| Street Address | 15 COVE HILL RD |
| City | NIANTIC |
| State | CT |
| Zip | 06357-1958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R120 |
| Legal Block | 7 |
| Jurisdiction | EAST LYME CT |
| Township / Civil Division | EAST LYME |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 870701 |
Source: East Lyme 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 | Trust Name on Record |
|---|---|
| Mailing Address | 15 COVE HILL RD, NIANTIC, CT 06357-1958 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 15 COVE HILL RD, NIANTIC, CT 06357-1958 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001121-454 |
|---|---|
| Date | Apr 30, 2025 |
| Book Page | 1121/454 |
| Instrument | 892 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
Source: East Lyme Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | East Lyme Town |
| Unified School District | East Lyme School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,791.00 | $635,180 (-) Land $189,630 Building $445,550 | $444,626 Land $132,741 Building $311,885 |
| 2024 | $17,791.00 (+12.58%) | ||
| 2023 | $15,803.00 (+4.36%) | $635,180 (-) Land $189,630 Building $445,550 | |
| 2022 | $15,143.00 | $635,180 Land $189,630 Building $445,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EAST LYME WATER & SEWER COMMISSION serves 15,245 people · EPA ID CT0450011 |
|---|---|
| Water Source | Purchased surface water from NEW LONDON DEPT. OF PUBLIC UTILITIES |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 53 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 / 2,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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