392 Main St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 392 Main St, Old Saybrook, CT 06475

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,440 sqft · built 1942
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Trust Names on File
Last Sale	$484,900 (Nov 2020)
Tax Bill	$6,623 (2025)
Deeds & Mortgages	Jul 2026 Transfer Oct 2023 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`OSAY M:022 B:012 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:022 B:012 L`
Alternative APN	`303000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,440 sqft Living Area
Gross Area	4,832 sqft
1st Floor Area	1,602 sqft
Attic	Attic
Attic Area	1,206 sqft
Basement Area	806 sqft
Unfinished Basement	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	303000
Street Address	392 MAIN ST
City	OLD SAYBROOK
State	CT
Zip	06475-2320
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	A
Legal Block	12
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	1
Census Block	1006
Census Tract	670200

Owner

392 Main St, a duplex, is owner-occupied and held in a trust since July 2026.

Source: Old Saybrook Town records, as of August 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	392 MAIN ST, OLD SAYBROOK, CT 06475-2320
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Quit Claim Deed, Transfer Quitclaim
Oct 23, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LILI D WALKER
Nov 12, 2020	Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 15, 2019	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2020 · Amount on File
Deed Sale	Nov 12, 2020 · Amount on File
Prior Sale	Aug 15, 2019 · Amount on File
Deed Document Number	2020
Deed Book / Page	656 / 639
Last Transfer Date	Jul 28, 2026
Transfer Doc	0708000467
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jul 28, 2026
Property Address	392 MAIN ST, OLD SAYBROOK, CT 06475-2320
Document Number	0708000467
Book / Page	708 / 467
Instrument Date	Jul 28, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	392 MAIN ST, OLD SAYBROOK, CT 06475-2320
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000687-373
Date	Oct 23, 2023
Book Page	687/373

Lender

Name	LILI D WALKER

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Nov 12, 2020
Property Address	392 MAIN ST, OLD SAYBROOK, CT 06475-2320
Document Number	000656-639
Book / Page	656 / 639
Instrument Date	Nov 9, 2020
Transaction Type	Transfer
Record Updated	Jul 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	0000656642
Date	Nov 12, 2020
Instrument	656/642

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Aug 15, 2019
Property Address	392 MAIN ST, OLD SAYBROOK, CT 06475-2320
Document Number	643-405
Book / Page	000643 / 000405
Instrument Date	Aug 13, 2019
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Tax	$402.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	392 MAIN ST OLD SAYBROOK CT 064752320, OLD SAYBROOK, CT 06475-2320

Tax Assessment & Valuation

The 2025 property tax bill for 392 Main St was $6,623.

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	$6,623.00	$427,300 Land $119,600 Building $307,700	$299,110 Land $83,720 Building $215,390
2024	$6,623.00 (+6.41%)
2023	$6,224.00 (+1.9%)	$304,200 (-) Land $81,200 Building $223,000
2022	$6,108.00	$304,200 Land $81,200 Building $223,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 392 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 392 Main St is low, with less than 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 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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