18 Cottage Pl, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 18 Cottage Pl, Old Saybrook, CT 06475

Property Summary

Property Type	Duplex
Details	5 bd · 3.5 ba · 3,184 sqft · built 1939
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$995,000 (Dec 2025)
Tax Bill	$7,657 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`OSAY M:029 B:057 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:029 B:057 L`
Alternative APN	`388500`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,184 sqft Living Area
Gross Area	5,869 sqft
1st Floor Area	1,899 sqft
Basement Area	1,289 sqft
Unfinished Basement	1,289 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	388500
Street Address	18 COTTAGE PL
City	OLD SAYBROOK
State	CT
Zip	06475-2203
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	A
Legal Block	57
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	4
Census Block	4025
Census Tract	670200

Owner

18 Cottage Pl, a duplex, is owned and occupied by two individuals who acquired it in September 2026.

Source: Old Saybrook Town records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18 COTTAGE PL, OLD SAYBROOK, CT 06475-2203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Sep 23, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS
May 5, 2021	Deed of Trust, Mortgage · Balloon Mortgage NORTHPOINTE BANK
Apr 15, 2021	Deed of Trust, Mortgage · Balloon Mortgage WEBSTER BANK
Dec 3, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 28, 2017	Warranty Deed, Transfer LIBERTY FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on File
Deed Sale	Dec 3, 2025 · Amount on File
Prior Sale	Jun 28, 2017 · Amount on File
Deed Document Number	2025
Deed Book / Page	703 / 490
Last Transfer Date	Sep 14, 2026
Transfer Doc	0710000042
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Sep 23, 2026
Property Address	18 COTTAGE PL, OLD SAYBROOK, CT 06475-2203
Document Number	0710000042
Book / Page	710 / 42
Instrument Date	Sep 14, 2026
Transaction Type	Transfer
Record Updated	Oct 14, 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
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Date	Sep 23, 2026

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	18 COTTAGE PL, OLD SAYBROOK, CT 06475-2203
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001721-333
Date	May 5, 2021
Book Page	1721/333
Instrument	1278

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	18 COTTAGE PL, OLD SAYBROOK, CT 06475-2203
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000662-718
Date	Apr 15, 2021
Book Page	662/718

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Dec 3, 2025
Property Address	18 COTTAGE PL, OLD SAYBROOK, CT 06475-2203
Document Number	000703-490
Book / Page	703 / 490
Instrument Date	Dec 2, 2025
Transaction Type	Transfer
Record Updated	Dec 24, 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	0000703492
Date	Dec 3, 2025
Instrument	703/492

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jun 28, 2017
Property Address	18 COTTAGE PL, OLD SAYBROOK, CT 06475-2203
Document Number	625-262
Book / Page	625 / 262
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6250265
Date	Jun 28, 2017
Instrument	00625/0265

Lender

Name	LIBERTY FEDERAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 28, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 18 Cottage Pl was $7,657.

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	$7,657.00	$494,000 Land $115,100 Building $378,900	$345,800 Land $80,570 Building $265,230
2024	$7,657.00 (+15.11%)
2023	$6,652.00 (+1.84%)	$325,300 (-) Land $82,200 Building $243,100
2022	$6,532.00	$325,300 Land $82,200 Building $243,100

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 18 Cottage Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 18 Cottage Pl 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 94% of the US · lower than 90% 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 196 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Cottage Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures