16 Howard St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 16 Howard St, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1959
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Trust Names on File
Last Sale	$742,900 (Oct 2025)
Tax Bill	$5,036 (2025)
Deeds & Mortgages	Nov 2025 Transfer Oct 2025 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`OSAY M:022 B:152 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:022 B:152 L`
Alternative APN	`316300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,952 sqft
1st Floor Area	832 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	316300
Street Address	16 HOWARD ST
City	OLD SAYBROOK
State	CT
Zip	06475-2429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	152
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	2
Census Block	2001
Census Tract	670200

Owner

16 Howard St is owner-occupied and held in a trust since November 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	16 HOWARD ST, OLD SAYBROOK, CT 06475-2429
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
Nov 12, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 31, 2025	Warranty Deed, Transfer
Nov 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Feb 15, 2023	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Feb 15, 2023 · Amount on File
Deed Book / Page	702 / 805
Last Transfer Date	Nov 12, 2025
Transfer Doc	00702-1055
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Nov 12, 2025
Property Address	16 HOWARD ST, OLD SAYBROOK, CT 06475-2429
Document Number	00702-1055
Book / Page	702 / 1055
Instrument Date	Nov 12, 2025
Transaction Type	Transfer
Record Updated	Dec 3, 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	Revocable Trust

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Oct 31, 2025
Property Address	16 HOWARD ST, OLD SAYBROOK, CT 06475-2429
Document Number	000702-805
Book / Page	702 / 805
Instrument Date	Oct 24, 2025
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	16 HOWARD ST, OLD SAYBROOK, CT 06475-2429
Transaction Type	Mortgage
Record Updated	Nov 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000687-925
Date	Nov 14, 2023
Book Page	687/925

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

February 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Feb 15, 2023
Property Address	16 HOWARD ST, OLD SAYBROOK, CT 06475-2429
Document Number	000682-318
Book / Page	682 / 318
Instrument Date	Feb 13, 2023
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount 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

Tax Assessment & Valuation

The 2025 property tax bill for 16 Howard St was $5,036.

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	$5,036.00	$324,900 Land $50,600 Building $274,300	$227,430 Land $35,420 Building $192,010
2024	$5,036.00 (+82.33%)
2023	$2,762.00 (+1.88%)	$135,000 (-) Land $46,800 Building $88,200
2022	$2,711.00	$135,000 Land $46,800 Building $88,200

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 16 Howard St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 16 Howard 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 97% of the US · lower than 95% 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 151 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

Cell Coverage

5G (outdoors only) and 4G LTE

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