East Lyme Town property record for 18 Spencer Ave, Niantic, CT 06357 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 7 Beds |
| Bathrooms | 2 Baths |
| Architecture Style | Conventional |
| Year Built | Built 1890 |
| Square Footage | 2,459 sqft Living Area |
| Lot Size | 3,920 sqft (0.09 acres) |
| Tax Bill | $15,178.00 (2025) |
| Primary APN | ELYM M:008.2 B:00095 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 2,459 sqft Living Area |
| Gross Area | 5,027 sqft Gross Area |
| 1st Floor | 1,151 sqft 1st Floor |
| Attic Area | 256 sqft Attic |
| Attic | 1 Attic |
| Basement Area | 778 sqft Basement |
| Unfinished Basement | 778 sqft Unfinished |
| Stories | 2 Stories |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional Style |
| Exterior Material | Wood Siding Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 3,920 sqft (0.09 acres) |
| Account Number | 3022 |
|---|---|
| Street Address | 18 SPENCER AVE |
| City | NIANTIC |
| State | CT |
| Zip | 06357-3045 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 95 |
| Jurisdiction | EAST LYME CT |
| Minor Civil Division | EAST LYME |
| Census Blockgroup | 4 |
| Census Block | 4001 |
| Census Tract | 870704 |
Source: East Lyme Town records · APN ELYM M:008.2 B:00095 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 | 180 CHESHAM DR, MIDDLEBURY, CT 06762-1405 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 05, 2023 | Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment ION BANK |
| Feb 24, 2021 | Deed of Trust, Mortgage · Balloon Payment ION BANK |
| Feb 24, 2021 | Deed, Transfer · Balloon Payment ION BANK |
| Dec 29, 2017 | Deed of Trust, Mortgage ION BANK |
| Jul 06, 2018 | Deed of Trust, Mortgage ION BANK |
| May 07, 2019 | Deed of Trust, Mortgage · Stand Alone Refinance ION BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Feb 19, 2021 |
| Transfer Doc | 1049-709 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 18 SPENCER AVE, NIANTIC, CT 06357-3045 |
| Transaction Type | Mortgage |
| Record Updated | Nov 02, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001102-118 |
|---|---|
| Date | Oct 05, 2023 |
| Book Page | 1102/118 |
| Instrument | 2020 |
| Name | ION BANK |
|---|
| Type | Second Mortgage to Cover Down Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Nov 01, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 18 SPENCER AVE, NIANTIC, CT 06357-3045 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001049-710 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 1049/710 |
| Instrument | 568 |
| Name | ION BANK |
|---|
| Type | Balloon Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | Feb 24, 2021 |
| Property Address | 18 SPENCER AVE, NIANTIC, CT 06357-3045 |
| Document Number | 1049-709 |
| Book / Page | 1049 / 709 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 567 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 1049-710 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 1049/710 |
| Instrument | 568 |
| Name | ION BANK |
|---|
| Type | Balloon Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 18 SPENCER AVE, NIANTIC, CT 06357-3045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 991-282 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 991/282 |
| Name | ION BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 48 Months |
| Due | Dec 01, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 18 SPENCER AVE, NIANTIC, CT 06357-3045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 999-138 |
|---|---|
| Date | Jul 06, 2018 |
| Book Page | 999/138 |
| Name | ION BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 84 Months |
| Due | Jul 01, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 18 SPENCER AVE, NIANTIC, CT 06357-3045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1011-193 |
|---|---|
| Date | May 07, 2019 |
| Book Page | 1011/193 |
| Name | ION BANK |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2034 |
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 | $15,178.00 | $541,870 (-) Land $344,680 Building $197,190 | $379,309 Land $241,276 Building $138,033 |
| 2024 | $15,178.00 (+12.58%) | ||
| 2023 | $13,482.00 (+4.37%) | $541,870 (-) Land $344,680 Building $197,190 | |
| 2022 | $12,918.00 | $541,870 Land $344,680 Building $197,190 |
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 | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone VE, 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.
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