Old Saybrook Town property record for 28 Willard Ave, Old Saybrook, CT 06475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,000 sqft · built 1983 |
| Lot Size | 0.95 acres (41,382 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $564,000 (May 2017) |
| Tax Bill | $8,466 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 351200 |
| Primary APN | 351200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,000 sqft Living Area |
| Gross Area | 3,012 sqft |
| 1st Floor Area | 1,000 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 41,382 sqft (0.95 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 351200 |
|---|---|
| Street Address | 28 WILLARD AVE |
| City | OLD SAYBROOK |
| State | CT |
| Zip | 06475-2536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Block | 91 |
| Legal Lot Number | 1 |
| Jurisdiction | OLD SAYBROOK CT |
| Township / Civil Division | OLD SAYBROOK |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 670200 |
28 Willard Ave is owned and occupied by two individuals who bought it in May 2017.
Source: Old Saybrook Town records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 WILLARD AVE, OLD SAYBROOK, CT 06475-2536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 4, 2023 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Mar 11, 2021 | Deed of Trust, Mortgage · Balloon Mortgage EQUITY RESOURCES OHIO |
| Jul 5, 2017 | Deed of Trust, Mortgage · Line of Credit UNITED BANK |
| May 16, 2017 | Warranty Deed, Transfer UNITED BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2017 · Amount on File |
| Deed Sale | May 16, 2017 · Amount on File |
| Prior Sale | Jul 6, 2001 · Amount on File |
| Deed Book / Page | 623 / 1011 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLD SAYBROOK CT |
| Property Address | 28 WILLARD AVE, OLD SAYBROOK, CT 06475-2536 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00683-1011 |
|---|---|
| Date | May 4, 2023 |
| Book Page | 683/1011 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLD SAYBROOK CT |
| Property Address | 28 WILLARD AVE, OLD SAYBROOK, CT 06475-2536 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 661-119 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 661/119 |
| Name | EQUITY RESOURCES OHIO |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLD SAYBROOK CT |
| Property Address | 28 WILLARD AVE, OLD SAYBROOK, CT 06475-2536 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 625-419 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 625/419 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLD SAYBROOK CT |
| Recording Date | May 16, 2017 |
| Property Address | 28 WILLARD AVE, OLD SAYBROOK, CT 06475-2536 |
| Document Number | 623-1011 |
| Book / Page | 623 / 1011 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72.01 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 6231017 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 00623/1017 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 16, 2047 |
The 2025 property tax bill for 28 Willard Ave was $8,466.
Source: Old Saybrook Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Old Saybrook Town |
| Unified School District | Old Saybrook School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,466.00 | $546,200 Land $287,700 Building $258,500 | $382,340 Land $201,390 Building $180,950 |
| 2024 | $8,466.00 (+18.82%) | ||
| 2023 | $7,125.00 (+1.84%) | $348,400 (-) Land $190,400 Building $158,000 | |
| 2022 | $6,996.00 | $348,400 Land $190,400 Building $158,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Willard Ave 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 28 Willard Ave 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 95% of the US · lower than 92% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 186 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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