39 Shepard St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 39 Shepard St, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,042 sqft · built 1968
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (Jun 2018)
Tax Bill	$5,465 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`OSAY M:022 B:001 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:022 B:001 L`
Alternative APN	`302000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,042 sqft Living Area
Gross Area	3,114 sqft
1st Floor Area	992 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	302000
Street Address	39 SHEPARD ST
City	OLD SAYBROOK
State	CT
Zip	06475-2352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	1
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	2 Individual Names on Record
Mailing Address	39 SHEPARD ST, OLD SAYBROOK, CT 06475-2352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 25, 2021	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Oct 25, 2021	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jun 29, 2018	Quit Claim Deed, Transfer · FHA Mortgage TIDEWATER MTG SERVICE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	Nov 14, 2000 · Amount on Record
Deed Book / Page	634 / 251
Transfer Doc	634-251
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	39 SHEPARD ST, OLD SAYBROOK, CT 06475-2352
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000686-8
Date	Aug 18, 2023
Book Page	686/8

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	39 SHEPARD ST, OLD SAYBROOK, CT 06475-2352
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000670-379
Date	Oct 25, 2021
Book Page	670/379

Lender

Name	MR COOPER

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	39 SHEPARD ST, OLD SAYBROOK, CT 06475-2352
Transaction Type	Mortgage
Record Updated	Nov 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	670-379
Date	Oct 25, 2021
Book Page	670/379

Lender

Name	MR COOPER

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	39 SHEPARD ST, OLD SAYBROOK, CT 06475-2352
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	656-87
Date	Oct 29, 2020
Book Page	656/87

Lender

Name	MR COOPER

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jun 29, 2018
Property Address	39 SHEPARD ST, OLD SAYBROOK, CT 06475-2352
Document Number	634-251
Book / Page	634 / 251
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.74
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	6340254
Date	Jun 29, 2018
Instrument	00634/0254

Lender

Name	TIDEWATER MTG SERVICE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2048

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	$5,465.00	$352,600 (+45.22%) Land $117,800 Building $234,800	$246,820 Land $82,460 Building $164,360
2024	$5,465.00 (+10.07%)
2023	$4,965.00 (+1.85%)	$242,800 (-) Land $92,900 Building $149,900
2022	$4,875.00	$242,800 Land $92,900 Building $149,900

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 94% of the US · lower than 90% of Connecticut
Wildfire Likelihood	Under 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.

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 196 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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