22 River Ave, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 22 River Ave, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,501 sqft · built 1957
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Mar 2020)
Tax Bill	$7,288 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`OSAY M:020 B:028 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:020 B:028 L`
Alternative APN	`276500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,501 sqft Living Area
Gross Area	2,921 sqft
1st Floor Area	768 sqft
Attic	Attic
Attic Area	768 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	276500
Street Address	22 RIVER AVE
City	OLD SAYBROOK
State	CT
Zip	06475-1921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	28
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	1
Census Block	1001
Census Tract	670100

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 Individual Names on Record
Mailing Address	22 RIVER AVE, OLD SAYBROOK, CT 06475-1921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit GUILFORD SAVINGS BANK
Mar 3, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILFORD SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on Record
Deed Sale	Mar 3, 2020 · Amount on Record
Prior Sale	Aug 2, 2004 · Amount on Record
Deed Book / Page	648 / 728
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	22 RIVER AVE, OLD SAYBROOK, CT 06475-1921
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000677-997
Date	Jul 29, 2022
Book Page	677/997

Lender

Name	GUILFORD SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2042

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Mar 3, 2020
Property Address	22 RIVER AVE, OLD SAYBROOK, CT 06475-1921
Document Number	648-728
Book / Page	648 / 728
Instrument Date	Feb 26, 2020
Transaction Type	Transfer
Record Updated	May 21, 2021

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

Mortgage

Document Number	648731
Date	Mar 3, 2020
Instrument	648/731

Lender

Name	GUILFORD SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$7,288.00	$470,200 (+72.61%) Land $223,000 Building $247,200	$329,140 Land $156,100 Building $173,040
2024	$7,288.00 (+30.82%)
2023	$5,571.00 (+1.85%)	$272,400 (-) Land $167,000 Building $105,400
2022	$5,470.00	$272,400 Land $167,000 Building $105,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
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 97% of the US · lower than 95% of Connecticut
Wildfire Likelihood	Under 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	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 220 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.

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