East Lyme Town property record for 16 Penncove Rd, Niantic, CT 06357 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,296 sqft · built 1966 |
| Lot Size | 0.27 acres (11,742 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,078 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2021 Refinance + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | ELYM M:017.1 B:00020 L:00000 |
| Primary APN | ELYM M:017.1 B:00020 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 3,146 sqft Gross Area |
| 1st Floor Area | 1,296 sqft 1st Floor |
| Basement Area | 1,008 sqft Basement |
| Finished Basement | 1,008 sqft Finished |
| Unfinished Basement | 1,008 sqft Unfinished |
| Stories | 1 Story |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,742 sqft (0.27 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4992 |
|---|---|
| Street Address | 16 PENNCOVE RD |
| City | NIANTIC |
| State | CT |
| Zip | 06357-2532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 20 |
| Jurisdiction | EAST LYME CT |
| Township / Civil Division | EAST LYME |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 870704 |
Source: East Lyme Town records · APN ELYM M:017.1 B:00020 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 PENNCOVE RD, NIANTIC, CT 06357-2532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage CITIZENS BANK |
| Sep 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Mar 28, 2018 | Deed of Trust, Mortgage CITIZENS BANK |
| Oct 01, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 16 PENNCOVE RD, NIANTIC, CT 06357-2532 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001126-39 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 1126/39 |
| Instrument | 2128 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 301 Months |
| Due | Oct 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 16 PENNCOVE RD, NIANTIC, CT 06357-2532 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1066-126 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 1066/126 |
| Instrument | 3255 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 16 PENNCOVE RD, NIANTIC, CT 06357-2532 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 994-268 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 994/268 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 01, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 16 PENNCOVE RD, NIANTIC, CT 06357-2532 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1039-230 |
|---|---|
| Date | Oct 01, 2020 |
| Book Page | 1039/230 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Nov 01, 2039 |
Source: East Lyme Town records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | East Lyme Town |
| Unified School District | East Lyme School District (PK - 12) |
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 | $6,078.00 | $217,000 (-) Land $107,170 Building $109,830 | $151,900 Land $75,019 Building $76,881 |
| 2024 | $6,078.00 (+12.58%) | ||
| 2023 | $5,399.00 (+4.37%) | $217,000 (-) Land $107,170 Building $109,830 | |
| 2022 | $5,173.00 | $217,000 Land $107,170 Building $109,830 |
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
| 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 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures