East Lyme Town property record for 3 W Ridge Cir, Niantic, CT 06357
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,833 sqft · built 1962 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $570,000 (Apr 2025) |
| Tax Bill | $7,351 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ELYM M:021.1 B:00027 L:00000 |
| Primary APN | ELYM M:021.1 B:00027 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,833 sqft Living Area |
| Gross Area | 3,713 sqft |
| 1st Floor Area | 1,833 sqft |
| Basement Area | 1,372 sqft |
| Unfinished Basement | 760 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,363 sqft (0.72 acres) |
| Garage Type | Basement |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3456 |
|---|---|
| Street Address | 3 W RIDGE CIR |
| City | NIANTIC |
| State | CT |
| Zip | 06357-1517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Block | 27 |
| Jurisdiction | EAST LYME CT |
| Township / Civil Division | EAST LYME |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 870701 |
Source: East Lyme Town records · APN ELYM M:021.1 B:00027 L:00000
Assessment roll updated June 25, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 3 W RIDGE CIR, NIANTIC, CT 06357-1517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 26, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) NAVY FCU |
| Feb 26, 2021 | Deed of Trust, Mortgage · Balloon Mortgage NAVY FCU |
| Apr 25, 2025 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 23, 2019 | Quit Claim Deed, Transfer UNKNOWN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2025 · Amount on Record |
| Deed Sale | Apr 25, 2025 · Amount on Record |
| Prior Sale | Jun 08, 2015 · Amount on Record |
| Deed Document Number | 2025861 |
| Deed Book / Page | 1121 / 320 |
| Prior Transfer Date | Dec 11, 2019 |
| Prior Transfer Doc | 1023-279 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 3 W RIDGE CIR, NIANTIC, CT 06357-1517 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001108-283 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 1108/283 |
| Instrument | 659 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 49 Months |
| Due | Apr 01, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 3 W RIDGE CIR, NIANTIC, CT 06357-1517 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001050-135 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 1050/135 |
| Instrument | 629 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | Apr 25, 2025 |
| Property Address | 3 W RIDGE CIR, NIANTIC, CT 06357-1517 |
| Document Number | 001121-320 |
| Book / Page | 1121 / 320 |
| Instrument Date | Apr 25, 2025 |
| Instrument | 861 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2025 |
| Title Company | NONE AVILABALE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000000862 |
|---|---|
| Date | Apr 25, 2025 |
| Instrument | 862 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | Dec 23, 2019 |
| Property Address | 3 W RIDGE CIR, NIANTIC, CT 06357-1517 |
| Document Number | 1023-279 |
| Book / Page | 001023 / 000279 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | UNKNOWN |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 W RIDGE CIR NIANTIC CT 063571517, NIANTIC, CT 06357-1517 |
Source: East Lyme Town records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | East Lyme Town |
| Unified School District | East Lyme School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,351.00 | $262,430 (+1.71%) Land $97,580 Building $164,850 | $183,701 Land $68,306 Building $115,395 |
| 2024 | $7,351.00 (+14.5%) | ||
| 2023 | $6,420.00 (+4.37%) | $258,020 (-) Land $97,580 Building $160,440 | |
| 2022 | $6,151.00 | $258,020 Land $97,580 Building $160,440 |
Source: FEMA National Flood Hazard Layer as of September 20, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 135 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EAST LYME WATER & SEWER COMMISSION serves 15,245 people |
|---|---|
| Water Source | Purchased surface water from NEW LONDON DEPT. OF PUBLIC UTILITIES |
| Last State Inspection | Nov 2023 |
| 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 | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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