396 River Rd, Pawcatuck, CT 06379 Property Records

Stonington Town property record for 396 River Rd, Pawcatuck, CT 06379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,815 sqft · built 1967
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on File
Last Sale	$429,000 (Aug 2005)
Tax Bill	$11,290 (2026)
Deeds & Mortgages	Aug 2023 Refinance Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STON M:8 B:2 L:8`

Property Details

APN / Parcel Number

Primary APN	`STON M:8 B:2 L:8`
Alternative APNs	`STNG M:8 B:2 L:8` `0826300` `826300`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,815 sqft Living Area
Gross Area	6,515 sqft
1st Floor Area	1,525 sqft
Attic	Attic
Attic Area	650 sqft
Basement Area	1,525 sqft
Unfinished Basement	1,525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	826300
Street Address	396 RIVER RD
City	PAWCATUCK
State	CT
Zip	06379-2078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-80
Legal Block	2
Legal Lot Number	8
Jurisdiction	STONINGTON CT
Township / Civil Division	STONINGTON
Census Block Group	1
Census Block	1009
Census Tract	705101

Owner

396 River Rd is owned and occupied by two individuals who acquired it in February 2021.

Source: Stonington Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	396 RIVER RD, PAWCATUCK, CT 06379-2078
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Mar 19, 2021	Deed of Trust, Mortgage · Balloon Mortgage OCMBC INC
Mar 19, 2021	Quit Claim Deed, Transfer · Balloon Mortgage OCMBC INC
Mar 19, 2021	Quit Claim Deed, Transfer · Balloon Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2005 · Amount on File
Deed Sale	Aug 25, 2005 · Amount on File
Deed Book / Page	585 / 1124
Last Transfer Date	Feb 26, 2021
Transfer Doc	3143440002
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONINGTON CT
Property Address	396 RIVER RD, PAWCATUCK, CT 06379-2078
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000850-55
Date	Aug 1, 2023
Book Page	850/55

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2063

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONINGTON CT
Property Address	396 RIVER RD, PAWCATUCK, CT 06379-2078
Transaction Type	Mortgage
Record Updated	Oct 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00815-1032
Date	Mar 19, 2021
Book Page	815/1032
Instrument	3143470010

Lender

Name	OCMBC INC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONINGTON CT
Recording Date	Mar 19, 2021
Property Address	396 RIVER RD, PAWCATUCK, CT 06379-2078
Document Number	815-1028
Book / Page	815 / 1028
Instrument Date	Feb 26, 2021
Instrument	3143440002
Transaction Type	Transfer
Record Updated	Oct 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 RIVER RD, PAWCATUCK, CT 06379-2078

Mortgage

Document Number	815-1032
Date	Mar 19, 2021
Book Page	815/1032
Instrument	3143470010

Lender

Name	OCMBC INC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONINGTON CT
Recording Date	Mar 19, 2021
Property Address	396 RIVER RD, PAWCATUCK, CT 06379-2078
Document Number	00815-1028
Book / Page	815 / 1028
Instrument Date	Feb 26, 2021
Instrument	3143440002
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 RIVER RD, PAWCATUCK, CT 06379-2078

Mortgage

Document Number	00815-1032
Date	Mar 19, 2021
Book Page	815/1032
Instrument	3143470010

Lender

Name	OCMBC INC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 396 River Rd was $11,290, up 6.8% from the year before.

Source: Stonington Town assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,290.00 (+6.78%)	$552,100 (-) Land $168,100 Building $384,000	$616,237 (+59.45%)
2025	$10,573.00	$552,100 Land $168,100 Building $384,000	$386,470 Land $117,670 Building $268,800
2024	$10,573.00 (+5.46%)
2023	$10,026.00 (+15.59%)	$552,100 (+55.87%) Land $168,100 Building $384,000
2022	$8,674.00	$354,200 Land $140,400 Building $213,800

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

Flood

FEMA maps place 396 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire risk around 396 River Rd 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 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 / 250
Breezeline Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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