22 Indian Rock Rd, Niantic, CT 06357 Property Records

East Lyme Town property record for 22 Indian Rock Rd, Niantic, CT 06357

Property Summary

Property Type	Single Family Home
Lot Size	5.5 acres (239,819 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Jan 2021)
Tax Bill	$17,254 (2025)
Deeds & Mortgages	Jul 2022 Refinance Feb 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ELYM M:008.3 B:00103 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ELYM M:008.3 B:00103 L:00000`
Alternative APN	`4926`

Exterior

Lot Area	239,819 sqft (5.5 acres)
Deck Area	Deck Area
Tennis Court	Tennis Court
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	4926
Street Address	22 INDIAN ROCK RD
City	NIANTIC
State	CT
Zip	06357-2840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	103
Jurisdiction	EAST LYME CT
Township / Civil Division	EAST LYME
Census Block Group	2
Census Block	2008
Census Tract	870704

Owner

Source: East Lyme Town records · APN ELYM M:008.3 B:00103 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	22 INDIAN ROCK RD, NIANTIC, CT 06357-2840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIME BANK
Feb 07, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance USAA FSB
Jan 11, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage DIME BANK
Jan 07, 2020	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	Jan 07, 2020 · Amount on Record
Deed Document Number	202180
Deed Book / Page	1046 / 612
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	22 INDIAN ROCK RD, NIANTIC, CT 06357-2840
Transaction Type	Mortgage
Record Updated	Jul 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001084-653
Date	Jul 28, 2022
Book Page	1084/653
Instrument	2184

Lender

Name	DIME BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 01, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	22 INDIAN ROCK RD, NIANTIC, CT 06357-2840
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001024-823
Date	Feb 07, 2020
Book Page	1024/823

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Jan 11, 2021
Property Address	22 INDIAN ROCK RD, NIANTIC, CT 06357-2840
Document Number	001046-612
Book / Page	1046 / 612
Instrument Date	Dec 18, 2020
Instrument	80
Transaction Type	Transfer
Record Updated	Jul 18, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	0000000081
Date	Jan 11, 2021
Instrument	81

Lender

Name	DIME BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Jan 07, 2020
Property Address	22 INDIAN ROCK RD, NIANTIC, CT 06357-2840
Document Number	1024-820
Book / Page	001024 / 000820
Instrument Date	Jan 07, 2020
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Tax	$484.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 INDIAN ROCK RD NIANTIC CT 063572840, NIANTIC, CT 06357-2840

Tax Assessment & Valuation

Source: East Lyme Town records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$17,254.00	$616,000 (+2.84%) Land $112,420 Building $503,580	$431,200 Land $78,694 Building $352,506
2024	$17,254.00 (+15.78%)
2023	$14,903.00 (+4.36%)	$598,990 (-) Land $112,420 Building $486,570
2022	$14,280.00	$598,990 Land $112,420 Building $486,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 2,000
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 136 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EAST LYME WATER & SEWER COMMISSION serves 15,245 people
Water Source	Purchased surface water from NEW LONDON DEPT. OF PUBLIC UTILITIES
Last State Inspection	Nov 2023
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	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

22 Indian Rock Rd, Niantic, CT 06357 Property Records

Property Summary

Property Details

APN / Parcel Number

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Indian Rock Rd

Nearby Streets

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