22 Oak St, Lyme (Old Lyme), CT 06371 Property Records

Lyme Town property record for 22 Oak St, Lyme, CT 06371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 1955
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Dec 2024)
Tax Bill	$3,336 (2026)
Deeds & Mortgages	Dec 2024 Sale & Mortgage May 2022 Refinance
Flood Zone	Zone A (high risk)
APN	`LYME M:40.2 L:13`

Property Details

APN / Parcel Number

Primary APN	`LYME M:40.2 L:13`
Alternative APN	`16800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,788 sqft Living Area
Gross Area	3,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	16800
Street Address	22 OAK ST
City	LYME
State	CT
Zip	06371-3630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU40
Legal Lot Number	13
Jurisdiction	LYME CT
Township / Civil Division	LYME
Census Block Group	3
Census Block	3005
Census Tract	650100

Owner

Source: Lyme Town records, as of October 20, 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	22 OAK ST, LYME, CT 06371-3630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2024 · Amount on Record
Deed Sale	Dec 13, 2024 · Amount on Record
Deed Document Number	2024326
Deed Book / Page	178 / 821
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYME CT
Recording Date	Dec 13, 2024
Property Address	22 OAK ST, LYME, CT 06371-3630
Document Number	000178-821
Book / Page	178 / 821
Instrument Date	Dec 12, 2024
Instrument	2024000326
Transaction Type	Transfer
Record Updated	Jan 30, 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 with Right of Survivorship

Mortgage

Document Number	2024000327
Date	Dec 13, 2024
Instrument	2024000327

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYME CT
Property Address	22 OAK ST, LYME, CT 06371-3630
Transaction Type	Mortgage
Record Updated	Jun 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000175-358
Date	May 11, 2022
Book Page	175/358
Instrument	2022000167

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Lyme Town
Unified School District	Regional School District 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,336.00	$230,100 (-) Land $96,000 Building $134,100	$513,679 (+218.92%)
2025	$3,336.00	$230,100 (+35.83%) Land $96,000 Building $134,100	$161,070 Land $67,200 Building $93,870
2024	$3,336.00 (+1%)
2023	$3,303.00 (-2.28%)	$169,400 (-) Land $68,500 Building $100,900
2022	$3,380.00	$169,400 Land $68,500 Building $100,900

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 September 20, 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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