31 Wells St, Niantic, CT 06357 Property Records

East Lyme Town property record for 31 Wells St, Niantic, CT 06357

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,849 sqft · built 1974
Lot Size	0.26 acres (11,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Aug 2017)
Tax Bill	$15,152 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2023 Refinance + 3 more
Flood Zone	Zone X (moderate risk)
APN	`ELYM M:017.7 B:00025 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ELYM M:017.7 B:00025 L:00000`
Alternative APN	`2160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,849 sqft Living Area
Gross Area	4,364 sqft
1st Floor Area	1,849 sqft
Basement Area	1,490 sqft
Unfinished Basement	378 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	11,307 sqft (0.26 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2160
Street Address	31 WELLS ST
City	NIANTIC
State	CT
Zip	06357-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	25
Jurisdiction	EAST LYME CT
Township / Civil Division	EAST LYME
Census Block Group	1
Census Block	1002
Census Tract	870704

Owner

Source: East Lyme Town records, as of October 20, 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	31 WELLS ST, NIANTIC, CT 06357-2612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage DUTCH POINT CREDIT UNION
Jun 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance DUTCH POINT CREDIT UNION
Apr 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE
May 15, 2018	Deed of Trust, Mortgage CHARTER OAK FED CU
Aug 31, 2017	Warranty Deed, Transfer · Conventional with PMI NORWICH COM'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2017 · Amount on Record
Deed Sale	Aug 31, 2017 · Amount on Record
Prior Sale	May 29, 2002 · Amount on Record
Deed Book / Page	986 / 313
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Recording Date	Sep 11, 2026
Property Address	31 WELLS ST, NIANTIC, CT 06357-2612
Document Number	0000002390
Book / Page	1138 / 382
Instrument Date	Jun 4, 2026
Instrument	20262390
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 WELLS ST, NIANTIC, CT 06357-2612

Mortgage

Document Number	0000002390,
Date	Sep 11, 2026
Book Page	1138/382
Instrument	20262390

Lender

Name	DUTCH POINT CREDIT UNION

Agreement

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

Interest

Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	31 WELLS ST, NIANTIC, CT 06357-2612
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001098-30
Date	Jun 28, 2023
Book Page	1098/30
Instrument	1257

Lender

Name	DUTCH POINT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	85 Months
Due	Jul 1, 2030

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	31 WELLS ST, NIANTIC, CT 06357-2612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1028-761
Date	Apr 27, 2020
Book Page	1028/761

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	31 WELLS ST, NIANTIC, CT 06357-2612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	996-404
Date	May 15, 2018
Book Page	996/404

Lender

Name	CHARTER OAK FED CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	288 Months
Due	May 1, 2042

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Aug 31, 2017
Property Address	31 WELLS ST, NIANTIC, CT 06357-2612
Document Number	986-313
Book / Page	000986 / 000313
Transaction Type	Transfer
Record Updated	Oct 10, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 WELLS ST NIANTIC CT 063572612, NIANTIC, CT 06357-2612

Mortgage

Document Number	986-316
Date	Aug 31, 2017
Book Page	000986/000316

Lender

Name	NORWICH COM'L

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

Source: East Lyme Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	East Lyme Town
Unified School District	East Lyme School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,152.00 (+3.69%)	$523,390 (+0.32%) Land $321,230 Building $202,160	$802,811 (+119.83%)
2025	$14,613.00	$521,710 (-) Land $321,230 Building $200,480	$365,197 Land $224,861 Building $140,336
2024	$14,613.00 (+12.58%)
2023	$12,980.00 (+4.36%)	$521,710 (-) Land $321,230 Building $200,480
2022	$12,438.00	$521,710 Land $321,230 Building $200,480

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 September 20, 2026

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	Not rated no burnable land within 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	EAST LYME WATER & SEWER COMMISSION serves 15,245 people · EPA ID CT0450011
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

Violations Reported to EPA

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, 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 37 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 / 2,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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