4 Ridgewood Dr, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 4 Ridgewood Dr, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,843 sqft · built 1974
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Trust Names on File
Last Sale	$885,000 (Jul 2025)
Tax Bill	$7,710 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jul 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`577700`

Property Details

APN / Parcel Number

Primary APN	`577700`
Alternative APN	`OSAY M:053 B:024 L:12`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,843 sqft Living Area
Gross Area	3,492 sqft
1st Floor Area	1,988 sqft
Basement Area	192 sqft
Finished Basement	192 sqft
Unfinished Basement	192 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,708 sqft (1.21 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	577700
Street Address	4 RIDGEWOOD DR
City	OLD SAYBROOK
State	CT
Zip	06475-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA-1
Legal Block	24
Legal Lot Number	12
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3003
Census Tract	670100

Owner

4 Ridgewood Dr is owner-occupied and held in a trust since July 2025.

Source: Old Saybrook Town records, as of June 25, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4 RIDGEWOOD DR, OLD SAYBROOK, CT 06475-1222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Living 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
Aug 11, 2025	Deed of Trust, Mortgage · Line of Credit UBS BANK USA
Jul 1, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Nov 27, 1995 · Amount on File
Deed Book / Page	699 / 634
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	4 RIDGEWOOD DR, OLD SAYBROOK, CT 06475-1222
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000700-646
Date	Aug 11, 2025
Book Page	700/646

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Sep 1, 2035
Index	Other
Margin	3

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jul 1, 2025
Property Address	4 RIDGEWOOD DR, OLD SAYBROOK, CT 06475-1222
Document Number	000699-634
Book / Page	699 / 634
Instrument Date	Jun 20, 2025
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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
Relationship	Revocable Living Trust

Tax Assessment & Valuation

The 2025 property tax bill for 4 Ridgewood Dr was $7,710.

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	$7,710.00	$497,400 Land $124,000 Building $373,400	$348,180 Land $86,800 Building $261,380
2024	$7,710.00 (+18.03%)
2023	$6,532.00 (+1.84%)	$319,400 (-) Land $71,700 Building $247,700
2022	$6,414.00	$319,400 Land $71,700 Building $247,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4 Ridgewood Dr 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

Wildfire risk around 4 Ridgewood Dr 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.

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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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