28 Cottage St, Groton, CT 06340 Property Records

Groton Town property record for 28 Cottage St, Groton, CT 06340

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,001 sqft · built 1905
Lot Size	0.145 acres (6,316 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jan 2022)
Tax Bill	$4,215 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GROT M:168918422381`

Property Details

APN / Parcel Number

Primary APN	`GROT M:168918422381`
Alternative APNs	`168918422381` `13258000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,001 sqft Living Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,316 sqft (0.145 acres)
Deck Area	Deck Area
Loading Dock	Loading Dock

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	168918422381
Street Address	28 COTTAGE ST
City	GROTON
State	CT
Zip	06340-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R52
Jurisdiction	GROTON CT
Township / Civil Division	GROTON
Census Block Group	2
Census Block	2017
Census Tract	702400

Owner

Source: Groton 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	Individual Name on Record
Mailing Address	28 COTTAGE ST, GROTON, CT 06340-3634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PENNYMAC LOAN SERVICES LLC
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CHELSEA GROTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2022 · Amount on Record
Deed Sale	Jan 26, 2022 · Amount on Record
Prior Sale	Sep 27, 2013 · Amount on Record
Deed Book / Page	1271 / 139
Transfer Doc	001048-680
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GROTON CT
Recording Date	Jan 26, 2022
Property Address	28 COTTAGE ST, GROTON, CT 06340-3634
Document Number	001271-139
Book / Page	1271 / 139
Instrument Date	Jan 21, 2022
Transaction Type	Transfer
Record Updated	Oct 15, 2024

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	5115940011
Date	Jan 26, 2022
Instrument	5115940011

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON CT
Property Address	28 COTTAGE ST, GROTON, CT 06340-3634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1238-86
Date	Sep 15, 2020
Book Page	1238/86
Instrument	5021620010

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,215.00	$145,810 (-) Land $82,649 Building $63,161	$102,067 Land $57,854 Building $44,213
2024	$4,215.00 (+12.04%)
2023	$3,762.00 (+3.41%)	$145,810 (-) Land $55,580 Building $90,230
2022	$3,638.00	$145,810 Land $55,580 Building $90,230

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

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 99.1% of the US · lower than 99% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	GROTON UTILITIES serves 30,200 people · EPA ID CT0590011
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	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 319 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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