186 River Rd, Pawcatuck, CT 06379 Property Records

Stonington Town property record for 186 River Rd, Pawcatuck, CT 06379

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,414 sqft · built 1858
Lot Size	1.31 acres (57,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Jan 2021)
Tax Bill	$11,994 (2025)
Deeds & Mortgages	Aug 2022 Refinance Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`STON M:7 B:1 L:41`

Property Details

APN / Parcel Number

Primary APN	`STON M:7 B:1 L:41`
Alternative APNs	`STNG M:7 B:1 L:41` `0006500` `6500`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,414 sqft Living Area
Gross Area	6,938 sqft
1st Floor Area	1,734 sqft
Attic	Attic
Attic Area	1,280 sqft
Basement Area	1,734 sqft
Unfinished Basement	1,734 sqft

Exterior

Year Built	Built 1858
Effective Year Built	Effective 1858
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	57,064 sqft (1.31 acres)
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	6500
Street Address	186 RIVER RD
City	PAWCATUCK
State	CT
Zip	06379-2089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-20
Legal Block	1
Legal Lot Number	41
Jurisdiction	STONINGTON CT
Township / Civil Division	STONINGTON
Census Block Group	1
Census Block	1009
Census Tract	705101

Owner

Source: Stonington Town records, as of June 25, 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 Record
Mailing Address	186 RIVER RD, PAWCATUCK, CT 06379-2089
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jan 8, 2021	Deed, Transfer · Balloon Mortgage SEACOAST MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2021 · Amount on Record
Deed Sale	Jan 8, 2021 · Amount on Record
Prior Sale	Oct 1, 1996 · Amount on Record
Deed Document Number	20213131190003
Deed Book / Page	812 / 178
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONINGTON CT
Property Address	186 RIVER RD, PAWCATUCK, CT 06379-2089
Transaction Type	Mortgage
Record Updated	Apr 24, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000839-202
Date	Aug 1, 2022
Book Page	839/202

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STONINGTON CT
Recording Date	Jan 8, 2021
Property Address	186 RIVER RD, PAWCATUCK, CT 06379-2089
Document Number	000812-178
Book / Page	812 / 178
Instrument Date	Jan 2, 2021
Instrument	3131190003
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount Recorded
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
Address	186 RIVER RD, PAWCATUCK, CT 06379-2089
Investor	Possibly a Property Investor

Mortgage

Document Number	000812-181
Date	Jan 8, 2021
Book Page	812/181
Instrument	3131200010

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Stonington Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Stonington Town
Unified School District	Stonington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,994.00	$603,300 (+4.34%) Land $189,300 Building $414,000	$422,310 Land $132,510 Building $289,800
2024	$11,994.00 (+8.88%)
2023	$11,016.00 (-17.93%)	$578,200 (+10.32%) Land $189,300 Building $388,900
2022	$13,422.00	$524,100 Land $150,700 Building $373,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

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

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	WESTERLY WATER DEPARTMENT serves 35,298 people · EPA ID RI1559512
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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	22 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications, Verizon.

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