4 W Ridge Cir, Niantic, CT 06357 Property Records

East Lyme Town property record for 4 W Ridge Cir, Niantic, CT 06357

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,568 sqft · built 1955
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Sep 2021)
Tax Bill	$6,357 (2025)
Deeds & Mortgages	Sep 2023 Refinance Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ELYM M:021.1 B:00024 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ELYM M:021.1 B:00024 L:00000`
Alternative APN	`415`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
Gross Area	3,496 sqft
1st Floor Area	1,568 sqft
Basement Area	1,084 sqft
Unfinished Basement	754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	415
Street Address	4 W RIDGE CIR
City	NIANTIC
State	CT
Zip	06357-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	24
Jurisdiction	EAST LYME CT
Township / Civil Division	EAST LYME
Census Block Group	1
Census Block	1011
Census Tract	870701

Owner

Source: East Lyme Town records · APN ELYM M:021.1 B:00024 L:00000

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	4 W RIDGE CIR, NIANTIC, CT 06357-1518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GILFORD SAVINGS BANK
Sep 01, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILFORD SAVINGS BANK
Apr 28, 2017	Warranty Deed, Transfer CHARTER OAK FED CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 01, 2021 · Amount on Record
Deed Sale	Sep 01, 2021 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	20213005
Deed Book / Page	1064 / 522
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	4 W RIDGE CIR, NIANTIC, CT 06357-1518
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001101-505
Date	Sep 25, 2023
Book Page	1101/505
Instrument	1932

Lender

Name	GILFORD SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2043

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Sep 01, 2021
Property Address	4 W RIDGE CIR, NIANTIC, CT 06357-1518
Document Number	1064-522
Book / Page	1064 / 522
Instrument Date	Aug 25, 2021
Instrument	3005
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	4 W RIDGE CIR, EAST LYME, CT 06333

Mortgage

Document Number	3006
Date	Sep 01, 2021
Instrument	3006

Lender

Name	GUILFORD SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Apr 28, 2017
Property Address	4 W RIDGE CIR, NIANTIC, CT 06357-1518
Document Number	979-521
Book / Page	979 / 521
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$42.87
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	9790524
Date	Apr 28, 2017
Instrument	00979/0524

Lender

Name	CHARTER OAK FED CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2047

Tax Assessment & Valuation

Source: East Lyme Town records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,357.00	$226,940 (-) Land $93,870 Building $133,070	$158,858 Land $65,709 Building $93,149
2024	$6,357.00 (+12.59%)
2023	$5,646.00 (+4.36%)	$226,940 (-) Land $93,870 Building $133,070
2022	$5,410.00	$226,940 Land $93,870 Building $133,070

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 92% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 2,000
Cogeco Cable Holdings II Cable	1,000 / 50
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 135 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EAST LYME WATER & SEWER COMMISSION serves 15,245 people
Water Source	Purchased surface water from NEW LONDON DEPT. OF PUBLIC UTILITIES
Last State Inspection	Nov 2023
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	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

4 W Ridge Cir, Niantic, CT 06357 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Cell Coverage

Drinking Water

Violations Reported to EPA

Nearby Properties on W Ridge Cir

Nearby Streets

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