Haddam Town property record for 392 Saybrook Rd, Higganum, CT 06441
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,496 sqft · built 1790 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on File |
| Last Sale | $222,500 (Mar 2002) |
| Tax Bill | $5,566 (2026) |
| Deeds & Mortgages | Jul 2024 Refinance Sep 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | HADD M:14 B:076 |
| Primary APN | HADD M:14 B:076 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Living Area |
| Gross Area | 3,300 sqft |
| Basement Area | 748 sqft |
| Unfinished Basement | 748 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1790 |
|---|---|
| Effective Year Built | Effective 1790 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,265 sqft (0.58 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | S0583200 |
|---|---|
| Street Address | 392 SAYBROOK RD |
| City | HIGGANUM |
| State | CT |
| Zip | 06441-4111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Block | 76 |
| Jurisdiction | HADDAM CT |
| Township / Civil Division | HADDAM |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 590101 |
392 Saybrook Rd is owned and occupied by an individual who bought it in March 2002.
Source: Haddam Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 392 SAYBROOK RD, HIGGANUM, CT 06441-4111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Sep 8, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NUTMEG STATE FINANCIAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2002 · Amount on File |
| Deed Sale | Mar 20, 2002 · Amount on File |
| Prior Sale | Aug 27, 1993 · Amount on File |
| Deed Book / Page | 245 / 457 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HADDAM CT |
| Property Address | 392 SAYBROOK RD, HIGGANUM, CT 06441-4111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000427-383 |
|---|---|
| Date | Jul 18, 2024 |
| Book Page | 427/383 |
| Instrument | 2024000039 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HADDAM CT |
| Property Address | 392 SAYBROOK RD, HIGGANUM, CT 06441-4111 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000419-327 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 419/327 |
| Instrument | 2021221993 |
| Name | NUTMEG STATE FINANCIAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2026 property tax bill for 392 Saybrook Rd was $5,566, up 10.5% from the year before.
Source: Haddam Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Haddam Town |
| Unified School District | Regional School District 17 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,566.00 (+10.48%) | $222,810 (+51.92%) Land $50,470 Building $172,340 | $363,123 (+253.71%) |
| 2025 | $5,038.00 | $146,660 Land $50,460 Building $96,200 | $102,662 Land $35,322 Building $67,340 |
| 2024 | $5,038.00 (+1.43%) | ||
| 2023 | $4,967.00 (+4.74%) | $146,660 (-) Land $50,460 Building $96,200 | |
| 2022 | $4,742.00 | $146,660 Land $50,460 Building $96,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 392 Saybrook Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 28, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 392 Saybrook Rd 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: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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