2 Cottage Rd, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 2 Cottage Rd, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,788 sqft · built 2015
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Company Names on Record
Last Sale	$2,462,500 (Aug 2024)
Tax Bill	$13,569 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Aug 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`OSAY M:003 B:019 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:003 B:019 L`
Alternative APN	`23700`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,788 sqft Living Area
Gross Area	4,528 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	23700
Street Address	2 COTTAGE RD
City	OLD SAYBROOK
State	CT
Zip	06475-2805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	19
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3037
Census Tract	670200

Owner

Source: Old Saybrook 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 Company Names on Record
Mailing Address	2 COTTAGE RD, OLD SAYBROOK, CT 06475-2805
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NBKC BANK
Aug 30, 2024	Quit Claim Deed, Transfer Quitclaim
Sep 18, 2023	Warranty Deed, Transfer
Feb 2, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN EAGLE FCU
Jan 25, 2021	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2024 · Amount on Record
Deed Sale	Aug 30, 2024 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Book / Page	693 / 522
Prior Transfer Date	Aug 23, 2024
Prior Transfer Doc	000693-554
Record Updated	Sep 20, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Aug 30, 2024
Property Address	2 COTTAGE RD, OLD SAYBROOK, CT 06475-2805
Document Number	000693-522
Book / Page	693 / 522
Instrument Date	Aug 23, 2024
Transaction Type	Transfer
Record Updated	Sep 12, 2024

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 with Right of Survivorship

Mortgage

Document Number	0000693525
Date	Aug 30, 2024
Instrument	693/525

Lender

Name	NBKC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Type Change Date	Sep 1, 2029
Max Rate At Change	3%
Index	Other
Margin	3

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Aug 30, 2024
Property Address	2 COTTAGE RD, OLD SAYBROOK, CT 06475-2805
Document Number	000693-554
Book / Page	693 / 554
Instrument Date	Aug 23, 2024
Transaction Type	Transfer
Record Updated	Sep 12, 2024

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	Family Trust

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Sep 18, 2023
Property Address	2 COTTAGE RD, OLD SAYBROOK, CT 06475-2805
Document Number	000686-738
Book / Page	686 / 738
Instrument Date	Sep 15, 2023
Transaction Type	Transfer
Record Updated	Oct 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 CORNERSTONE CT, PLANTSVILLE, CT 06479-1551

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	2 COTTAGE RD, OLD SAYBROOK, CT 06475-2805
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000682-113
Date	Feb 2, 2023
Book Page	682/113

Lender

Name	AMERICAN EAGLE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	2 COTTAGE RD, OLD SAYBROOK, CT 06475-2805
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	659-415
Date	Jan 25, 2021
Book Page	659/415

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

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	$13,569.00	$875,400 (+73.48%) Land $371,800 Building $503,600	$612,780 Land $260,260 Building $352,520
2024	$13,569.00 (+31.5%)
2023	$10,319.00 (+1.85%)	$504,600 (-) Land $205,100 Building $299,500
2022	$10,132.00	$504,600 Land $205,100 Building $299,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 269 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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