28 Shepard St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 28 Shepard St, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,019 sqft · built 1940
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Trust Names on File
Last Sale	$409,900 (Oct 2020)
Tax Bill	$5,465 (2025)
Deeds & Mortgages	May 2025 Sale Aug 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`OSAY M:022 B:256 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:022 B:256 L`
Alternative APN	`328900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,019 sqft Living Area
Gross Area	3,388 sqft
1st Floor Area	2,019 sqft
Basement Area	891 sqft
Unfinished Basement	891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	328900
Street Address	28 SHEPARD ST
City	OLD SAYBROOK
State	CT
Zip	06475-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	256
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	2
Census Block	2001
Census Tract	670200

Owner

28 Shepard St is owner-occupied and held in a trust since April 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	28 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
May 2, 2025	Warranty Deed, Transfer NONE AVILABALE
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit M & T BANK
Oct 26, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2020 · Amount on File
Deed Sale	Oct 26, 2020 · Amount on File
Prior Sale	Feb 18, 2009 · Amount on File
Deed Book / Page	655 / 920
Last Transfer Date	Apr 28, 2025
Transfer Doc	000698-307
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	May 2, 2025
Property Address	28 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Document Number	000698-307
Book / Page	698 / 307
Instrument Date	Apr 28, 2025
Transaction Type	Transfer
Record Updated	May 21, 2025
Title Company	NONE AVILABALE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	28 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000686-96
Date	Aug 22, 2023
Book Page	686/96

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Oct 26, 2020
Property Address	28 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Document Number	655-920
Book / Page	655 / 920
Instrument Date	Oct 22, 2020
Transaction Type	Transfer
Record Updated	May 21, 2021

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	655923
Date	Oct 26, 2020
Instrument	655/923

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 28 Shepard St was $5,465.

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	$5,465.00	$352,600 Land $113,600 Building $239,000	$246,820 Land $79,520 Building $167,300
2023	$5,513.00 (+1.83%)	$269,600 (-) Land $89,600 Building $180,000
2022	$5,414.00	$269,600 Land $89,600 Building $180,000

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

Flood

FEMA maps place 28 Shepard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 28 Shepard St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.2% 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	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 189 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: T-Mobile.

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