Old Lyme Town property record for 3 Windward Ln, Old Lyme, CT 06371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,990 sqft · built 1990 |
| Lot Size | 2.63 acres (114,923 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $340,000 (Jan 2021) |
| Tax Bill | $7,526 (2026) |
| Deeds & Mortgages | Jan 2025 Transfer Dec 2022 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | OLYM M:10 L:2-4 |
| Primary APN | OLYM M:10 L:2-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,990 sqft Living Area |
| Gross Area | 3,952 sqft |
| 1st Floor Area | 1,320 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 192 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 114,923 sqft (2.63 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 26800 |
|---|---|
| Street Address | 3 WINDWARD LN |
| City | OLD LYME |
| State | CT |
| Zip | 06371-1862 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU40 |
| Legal Lot Number | 2-4 |
| Jurisdiction | OLD LYME CT |
| Township / Civil Division | OLD LYME |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 660103 |
3 Windward Ln is owner-occupied and held in a trust since January 2025.
Source: Old Lyme Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3 WINDWARD LN, OLD LYME, CT 06371-1862 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Living Trust |
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 |
|---|---|
| Jan 31, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Dec 8, 2022 | Deed of Trust, Mortgage · Line of Credit M & T BANK |
| Jan 22, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage WILLIAM RAVEIS MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2021 · Amount on File |
| Deed Sale | Jan 22, 2021 · Amount on File |
| Deed Book / Page | 440 / 523 |
| Last Transfer Date | Jan 10, 2025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OLD LYME CT |
| Recording Date | Jan 31, 2025 |
| Property Address | 3 WINDWARD LN, OLD LYME, CT 06371-1862 |
| Document Number | 000464-745 |
| Book / Page | 464 / 745 |
| Instrument Date | Jan 10, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLD LYME CT |
| Property Address | 3 WINDWARD LN, OLD LYME, CT 06371-1862 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000453-843 |
|---|---|
| Date | Dec 8, 2022 |
| Book Page | 453/843 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLD LYME CT |
| Recording Date | Jan 22, 2021 |
| Property Address | 3 WINDWARD LN, OLD LYME, CT 06371-1862 |
| Document Number | 440-523 |
| Book / Page | 440 / 523 |
| Instrument Date | Jan 12, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 with Right of Survivorship |
| Document Number | 440526 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 440/526 |
| Name | WILLIAM RAVEIS MORTGAGE CO |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3 Windward Ln was $7,526, up 11.4% from the year before.
Source: Old Lyme Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Old Lyme Town |
| Unified School District | Regional School District 18 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,526.00 (+11.38%) | $259,980 (-37.55%) Building $259,980 | $562,827 (+93.14%) |
| 2025 | $6,757.00 | $416,300 Land $130,200 Building $286,100 | $291,410 Land $91,140 Building $200,270 |
| 2024 | $6,757.00 (+18.48%) | ||
| 2023 | $5,703.00 | $242,700 (-) Land $82,200 Building $160,500 | |
| 2022 | $5,703.00 | $242,700 Land $82,200 Building $160,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Windward Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 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 3 Windward Ln is low, with 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CTWC - SHORELINE REGION-POINT O WOODS private · serves 1,068 people · EPA ID CT1050752 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2023–2025) 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 41 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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