3 Pepperidge Trl, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 3 Pepperidge Trl, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,436 sqft · built 1985
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Jul 2024)
Tax Bill	$6,319 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`542400`

Property Details

APN / Parcel Number

Primary APN	`542400`
Alternative APN	`OSAY M:050 B:017 L:48`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,436 sqft Living Area
Gross Area	4,883 sqft
1st Floor Area	1,250 sqft
Basement Area	1,162 sqft
Unfinished Basement	1,162 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	43,560 sqft (1 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	542400
Street Address	3 PEPPERIDGE TRL
City	OLD SAYBROOK
State	CT
Zip	06475-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA-1
Legal Block	17
Legal Lot Number	48
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	2
Census Block	2003
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	3 PEPPERIDGE TRL, OLD SAYBROOK, CT 06475-1043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit FIRST WORLD MORTGAGE CORPORATION
Feb 23, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 17, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST WORLD MORTGAGE CORPORATION
Jul 17, 2024	Quit Claim Deed, Transfer Quitclaim
May 30, 2017	Trustee's Deed, Transfer · FHA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2024 · Amount on Record
Deed Sale	Jul 17, 2024 · Amount on Record
Prior Sale	May 30, 2017 · Amount on Record
Deed Book / Page	692 / 326
Prior Transfer Date	Jul 15, 2024
Prior Transfer Doc	0692000342
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Recording Date	Apr 20, 2026
Property Address	3 PEPPERIDGE TRL, OLD SAYBROOK, CT 06475-1043
Document Number	0000706-43
Book / Page	706 / 43
Instrument Date	Apr 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PEPPERIDGE TRL, OLD SAYBROOK, CT 06475-1043

Mortgage

Document Number	0706000043,
Date	Apr 20, 2026
Book Page	706/43

Lender

Name	FIRST WORLD MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	3 PEPPERIDGE TRL, OLD SAYBROOK, CT 06475-1043
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000682-452
Date	Feb 23, 2023
Book Page	682/452

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jul 17, 2024
Property Address	3 PEPPERIDGE TRL, OLD SAYBROOK, CT 06475-1043
Document Number	000692-326
Book / Page	692 / 326
Instrument Date	Jul 15, 2024
Transaction Type	Transfer
Record Updated	Aug 1, 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	0000692328
Date	Jul 17, 2024
Instrument	692/328

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jul 17, 2024
Property Address	3 PEPPERIDGE TRL, OLD SAYBROOK, CT 06475-1043
Document Number	000692-342
Book / Page	692 / 342
Instrument Date	Jul 15, 2024
Transaction Type	Transfer
Record Updated	Aug 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

May 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	May 30, 2017
Property Address	3 PEPPERIDGE TRL, OLD SAYBROOK, CT 06475-1043
Document Number	624-378
Book / Page	000624 / 000378
Instrument Date	May 30, 2017
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PEPPERIDGE TRL OLD SAYBROOK CT 064751043, OLD SAYBROOK, CT 06475-1043

Mortgage

Document Number	624-380
Date	May 30, 2017
Book Page	000624/000380

Lender

Name	USAA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2047

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	$6,319.00	$407,700 (+51.11%) Land $89,200 Building $318,500	$285,390 Land $62,440 Building $222,950
2024	$6,319.00 (+14.54%)
2023	$5,517.00 (+1.83%)	$269,800 (-) Land $71,000 Building $198,800
2022	$5,418.00	$269,800 Land $71,000 Building $198,800

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
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 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

Cell Coverage

5G (outdoors only) and 4G LTE

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