32 Shepard St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 32 Shepard St, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1955
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Sep 2017)
Tax Bill	$4,300 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2021 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`OSAY M:022 B:257 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:022 B:257 L`
Alternative APN	`329000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
Gross Area	3,027 sqft
1st Floor Area	1,554 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	329000
Street Address	32 SHEPARD ST
City	OLD SAYBROOK
State	CT
Zip	06475-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	257
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	2
Census Block	2001
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	Individual Name on Record
Mailing Address	32 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHARTER OAK FCU
Sep 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CHARTER OAK FCU
Jan 2, 2020	Deed of Trust, Mortgage · Balloon Mortgage LIBERTY BANK
Sep 20, 2017	Warranty Deed, Transfer FIRST WORLD MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2017 · Amount on Record
Deed Sale	Sep 20, 2017 · Amount on Record
Deed Book / Page	627 / 162
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	32 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000689-122
Date	Jan 17, 2024
Book Page	689/122

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Feb 1, 2029

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	32 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	668-222
Date	Sep 3, 2021
Book Page	668/222

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	32 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	646-983
Date	Jan 2, 2020
Book Page	646/983

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Sep 20, 2017
Property Address	32 SHEPARD ST, OLD SAYBROOK, CT 06475-2323
Document Number	627-162
Book / Page	627 / 162
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41.52
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	6270166
Date	Sep 20, 2017
Instrument	00627/0166

Lender

Name	FIRST WORLD MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 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	$4,300.00	$277,400 (+35.25%) Land $113,600 Building $163,800	$194,180 Land $79,520 Building $114,660
2024	$4,300.00 (+2.48%)
2023	$4,196.00 (+1.89%)	$205,100 (-) Land $89,500 Building $115,600
2022	$4,118.00	$205,100 Land $89,500 Building $115,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans

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 189 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

May also be available: T-Mobile.

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