15 North St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 15 North St, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,006 sqft · built 1970
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Trust Names on File
Last Sale	$462,500 (Oct 2022)
Tax Bill	$4,292 (2025)
Deeds & Mortgages	Aug 2025 Transfer Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`OSAY M:022 B:050 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:022 B:050 L`
Alternative APN	`307300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,006 sqft Living Area
Gross Area	1,056 sqft
1st Floor Area	1,006 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	307300
Street Address	15 NORTH ST
City	OLD SAYBROOK
State	CT
Zip	06475-2433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	50
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	1
Census Block	1022
Census Tract	670200

Owner

15 North St is owner-occupied and held in a trust since August 2025.

Source: Old Saybrook Town records, as of June 25, 2026

Owner of Record	2 Trust Names on File
Mailing Address	15 NORTH ST, OLD SAYBROOK, CT 06475-2433
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living 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
Aug 25, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 4, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Jan 5, 2018	Warranty Deed, Transfer · Conventional with PMI JAMES F MCARDLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on File
Deed Sale	Oct 4, 2022 · Amount on File
Prior Sale	Jan 5, 2018 · Amount on File
Deed Book / Page	679 / 514
Last Transfer Date	Aug 20, 2025
Transfer Doc	000700-993
Record Updated	Sep 20, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Aug 25, 2025
Property Address	15 NORTH ST, OLD SAYBROOK, CT 06475-2433
Document Number	000700-993
Book / Page	700 / 993
Instrument Date	Aug 20, 2025
Transaction Type	Transfer
Record Updated	Sep 17, 2025

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
Relationship	Living Trust

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Oct 4, 2022
Property Address	15 NORTH ST, OLD SAYBROOK, CT 06475-2433
Document Number	000679-514
Book / Page	679 / 514
Instrument Date	Sep 30, 2022
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	0000679517
Date	Oct 4, 2022
Instrument	679/517

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jan 5, 2018
Property Address	15 NORTH ST, OLD SAYBROOK, CT 06475-2433
Document Number	629-1082
Book / Page	000629 / 001082
Instrument Date	Jan 2, 2018
Transaction Type	Transfer
Record Updated	Feb 6, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 NORTH ST OLD SAYBROOK CT 064752433, OLD SAYBROOK, CT 06475-2433

Mortgage

Document Number	629-1085
Date	Jan 5, 2018
Book Page	000629/001085

Lender

Name	JAMES F MCARDLE
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 15 North St was $4,292.

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	$4,292.00	$276,900 Land $107,000 Building $169,900	$193,830 Land $74,900 Building $118,930
2024	$4,292.00 (+55.79%)
2023	$2,755.00 (+1.85%)	$134,700 (-) Land $61,500 Building $73,200
2022	$2,705.00	$134,700 Land $61,500 Building $73,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 15 North St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
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 North St 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 99.1% of the US · lower than 99% 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 189 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: T-Mobile.

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