3 James Ct, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 3 James Ct, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,982 sqft · built 1993
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jan 2024)
Tax Bill	$5,738 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`580500`

Property Details

APN / Parcel Number

Primary APN	`580500`
Alternative APN	`OSAY M:053 B:030 L:6`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,982 sqft Living Area
Gross Area	4,304 sqft
1st Floor Area	1,046 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	1,046 sqft
Unfinished Basement	1,046 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	580500
Street Address	3 JAMES CT
City	OLD SAYBROOK
State	CT
Zip	06475-1535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	30
Legal Lot Number	6
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	1
Census Block	1006
Census Tract	670200

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	3 JAMES CT, OLD SAYBROOK, CT 06475-1535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage WILLIAM RAVEIS MORTGAGE
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN EAGLE FCU
Jan 16, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage WILLIAM RAVEIS MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2024 · Amount on Record
Deed Sale	Jan 16, 2024 · Amount on Record
Prior Sale	Dec 14, 1992 · Amount on Record
Deed Book / Page	689 / 84
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Recording Date	Apr 30, 2026
Property Address	3 JAMES CT, OLD SAYBROOK, CT 06475-1535
Document Number	000706-278
Book / Page	706 / 278
Instrument Date	Apr 24, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 JAMES CT, OLD SAYBROOK, CT 06475-1535

Mortgage

Document Number	0706000278,
Date	Apr 30, 2026
Book Page	706/278

Lender

Name	WILLIAM RAVEIS MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	3 JAMES CT, OLD SAYBROOK, CT 06475-1535
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000672-481
Date	Dec 27, 2021
Book Page	672/481

Lender

Name	AMERICAN EAGLE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jan 16, 2024
Property Address	3 JAMES CT, OLD SAYBROOK, CT 06475-1535
Document Number	0000689-84
Book / Page	689 / 84
Instrument Date	Jan 12, 2024
Transaction Type	Transfer
Record Updated	Feb 9, 2026

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	0000068988
Date	Jan 16, 2024
Instrument	689/88

Lender

Name	WILLIAM RAVEIS MORTGAGE CO

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	$5,738.00	$370,200 (+36.25%) Land $114,400 Building $255,800	$259,140 Land $80,080 Building $179,060
2024	$5,738.00 (+3.22%)
2023	$5,559.00 (+1.89%)	$271,700 (-) Land $81,500 Building $190,200
2022	$5,456.00	$271,700 Land $81,500 Building $190,200

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 November 28, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GoNetspeed.

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