20 Elm St S, Groton, CT 06340 Property Records

Groton Town property record for 20 Elm St S, Groton, CT 06340

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,717 sqft · built 1983
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Feb 2022)
Tax Bill	$10,581 (2025)
Deeds & Mortgages	Mar 2025 Refinance Aug 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GROT M:260820709285`

Property Details

APN / Parcel Number

Primary APN	`GROT M:260820709285`
Alternative APNs	`260820709285` `146004000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,717 sqft Living Area
Basement Area	300 sqft
Unfinished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1996
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	260820709285
Street Address	20 ELM ST S
City	GROTON
State	CT
Zip	06340-5649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Jurisdiction	GROTON CT
Township / Civil Division	GROTON
Census Block Group	2
Census Block	2019
Census Tract	702900

Owner

20 Elm St S is owned and occupied by two individuals who bought it in February 2022.

Source: Groton Town records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 ELM ST S, GROTON, CT 06340-5649
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 5, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Aug 9, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HSBC BANK USA
Feb 11, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2022 · Amount on File
Deed Sale	Feb 11, 2022 · Amount on File
Deed Book / Page	1272 / 124
Record Updated	Sep 20, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON CT
Property Address	20 ELM ST S, GROTON, CT 06340-5649
Transaction Type	Mortgage
Record Updated	Mar 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001318-74
Date	Mar 5, 2025
Book Page	1318/74

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Apr 1, 2044

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON CT
Property Address	20 ELM ST S, GROTON, CT 06340-5649
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001295-107
Date	Aug 9, 2023
Book Page	1295/107
Instrument	5202120020

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GROTON CT
Recording Date	Feb 11, 2022
Property Address	20 ELM ST S, GROTON, CT 06340-5649
Document Number	001272-124
Book / Page	1272 / 124
Instrument Date	Feb 10, 2022
Transaction Type	Transfer
Record Updated	Oct 15, 2024

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

Mortgage

Document Number	5118550018
Date	Feb 11, 2022
Instrument	5118550018

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 20 Elm St S was $10,581.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,581.00	$401,100 Land $199,612 Building $201,488	$280,770 Land $139,728 Building $141,042
2024	$10,581.00 (+12.58%)
2023	$9,399.00 (+2.07%)	$398,090 (-) Land $113,260 Building $284,830
2022	$9,208.00	$398,090 Land $113,260 Building $284,830

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

Flood

FEMA maps place 20 Elm St S 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 September 20, 2026

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 20 Elm St S is low, with 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	NOANK FIRE DISTRICT serves 1,947 people · EPA ID CT0590031
Water Source	Purchased surface water from GROTON UTILITIES
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 178 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

May also be available: Verizon.

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