3 Trail's End, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 3 Trail's End, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,482 sqft · built 1986
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$512,300 (Sep 2019)
Tax Bill	$9,525 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2021 Refinance + 1 more
Flood Zone	Zone X (moderate risk)
APN	`205900`

Property Details

APN / Parcel Number

Primary APN	`205900`
Alternative APN	`OSAY M:016 B:068 L:2`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,482 sqft Living Area
Gross Area	5,606 sqft
1st Floor Area	1,510 sqft
Attic	Attic
Attic Area	576 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	205900
Street Address	3 TRAILS END
City	OLD SAYBROOK
State	CT
Zip	06475-2461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA-2
Legal Block	68
Legal Lot Number	2
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3002
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 TRAILS END, OLD SAYBROOK, CT 06475-2461
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage ELLAFI FCU
Jul 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDIGAN FINANCIAL
Sep 25, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Feb 2, 1998 · Amount on Record
Deed Book / Page	644 / 485
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	3 TRAILS END, OLD SAYBROOK, CT 06475-2461
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000703-300
Date	Nov 25, 2025
Book Page	703/300

Lender

Name	ELLAFI FCU

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2035

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	3 TRAILS END, OLD SAYBROOK, CT 06475-2461
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000666-691
Date	Jul 27, 2021
Book Page	666/691

Lender

Name	CARDIGAN FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Sep 25, 2019
Property Address	3 TRAILS END, OLD SAYBROOK, CT 06475-2461
Document Number	644-485
Book / Page	000644 / 000485
Instrument Date	Sep 20, 2019
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$512.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 TRAILS END OLD SAYBROOK CT 064752461, OLD SAYBROOK, CT 06475-2461

Mortgage

Document Number	644-488
Date	Sep 25, 2019
Book Page	000644/000488

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

Mortgage

Document Number	644-506,
Date	Sep 25, 2019
Book Page	000644/000506

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 24, 2044

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	$9,525.00	$614,500 (+50.35%) Land $219,300 Building $395,200	$430,150 Land $153,510 Building $276,640
2024	$9,525.00 (+13.96%)
2023	$8,358.00 (+1.84%)	$408,700 (-) Land $148,600 Building $260,100
2022	$8,207.00	$408,700 Land $148,600 Building $260,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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 107 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

Cell Coverage

5G (outdoors only) and 4G LTE

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