21 Gates Rd, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 21 Gates Rd, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft · built 1950
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (May 2022)
Tax Bill	$4,565 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`OSAY M:001 B:058 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:001 B:058 L`
Alternative APN	`5200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	624 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	5200
Street Address	21 GATES RD
City	OLD SAYBROOK
State	CT
Zip	06475-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	58
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3043
Census Tract	670200

Owner

21 Gates Rd is owned and occupied by two individuals who bought it in May 2022.

Source: Old Saybrook Town records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 GATES RD, OLD SAYBROOK, CT 06475-2710
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
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK
Nov 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK
Oct 15, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ESSEX SAVINGS BANK
May 20, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage ESSEX SAVINGS BANK
May 19, 2021	Conservator's Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2022 · Amount on File
Deed Sale	May 20, 2022 · Amount on File
Prior Sale	May 19, 2021 · Amount on File
Deed Book / Page	676 / 287
Prior Transfer Date	May 18, 2022
Prior Transfer Doc	000676-287
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	21 GATES RD, OLD SAYBROOK, CT 06475-2710
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000703-994
Date	Dec 23, 2025
Book Page	703/994

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

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

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	21 GATES RD, OLD SAYBROOK, CT 06475-2710
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000703-14
Date	Nov 14, 2025
Book Page	703/14

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2056

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	21 GATES RD, OLD SAYBROOK, CT 06475-2710
Transaction Type	Mortgage
Record Updated	Oct 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000694-503
Date	Oct 15, 2024
Book Page	694/503

Lender

Name	ESSEX SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2039

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	May 20, 2022
Property Address	21 GATES RD, OLD SAYBROOK, CT 06475-2710
Document Number	000676-287
Book / Page	676 / 287
Instrument Date	May 18, 2022
Transaction Type	Transfer
Record Updated	Jun 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000676291
Date	May 20, 2022
Instrument	676/291

Lender

Name	ESSEX SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Jun 1, 2027
Max Rate At Change	2.75%
Index	1-Year CMT

May 2021: Conservator's Deed, Transfer

Document Type	Conservator's Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	May 19, 2021
Property Address	21 GATES RD, OLD SAYBROOK, CT 06475-2710
Document Number	000664-268
Book / Page	664 / 268
Instrument Date	May 17, 2021
Transaction Type	Transfer
Record Updated	Feb 10, 2022

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

Mortgage

Document Number	0000664271
Date	May 19, 2021
Instrument	664/271

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 21 Gates Rd was $4,565.

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	$4,565.00	$294,500 Land $182,400 Building $112,100	$206,150 Land $127,680 Building $78,470
2024	$4,565.00 (+28.37%)
2023	$3,556.00 (+1.83%)	$173,900 (-) Land $123,900 Building $50,000
2022	$3,492.00	$173,900 Land $123,900 Building $50,000

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

Flood

FEMA maps place 21 Gates Rd in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

The area around 21 Gates Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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 471 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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