40 Elm St, Groton, CT 06340 Property Records

Groton Town property record for 40 Elm St, Groton, CT 06340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,585 sqft · built 1847
Lot Size	0.559 acres (24,350 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Oct 2019)
Tax Bill	$5,695 (2025)
Deeds & Mortgages	Jun 2020 Refinance Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`GROT M:260820805990`

Property Details

APN / Parcel Number

Primary APN	`GROT M:260820805990`
Alternative APNs	`260820805990` `146091000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,585 sqft Living Area
Basement Area	345 sqft
Unfinished Basement	280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1847
Effective Year Built	Effective 1847
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,350 sqft (0.559 acres)
Garage Type	Attached
Deck Area	Deck Area
Loading Dock	Loading Dock

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	260820805990
Street Address	40 ELM ST
City	GROTON
State	CT
Zip	06340-5617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Jurisdiction	GROTON CT
Township / Civil Division	GROTON
Census Block Group	2
Census Block	2029
Census Tract	702900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Noank Historic District listed 1979 · 219 contributing resources · NRIS 79002656

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

40 Elm St is owned and occupied by an individual who bought it in October 2019.

Source: Groton Town records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	40 ELM ST, GROTON, CT 06340-5617
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
Jun 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY BANK
Oct 17, 2019	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Prior Sale	Nov 30, 2011 · Amount on File
Deed Document Number	20194968320002
Deed Book / Page	1221 / 942
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON CT
Property Address	40 ELM ST, GROTON, CT 06340-5617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1233-695
Date	Jun 30, 2020
Book Page	1233/695
Instrument	5008770018

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	193 Months
Due	Jul 1, 2036

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GROTON CT
Recording Date	Oct 17, 2019
Property Address	40 ELM ST, GROTON, CT 06340-5617
Document Number	1221-942
Book / Page	001221 / 000942
Instrument Date	Oct 11, 2019
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ELM ST GROTON CT 063405617, GROTON, CT 06340-5617

Tax Assessment & Valuation

The 2025 property tax bill for 40 Elm St was $5,695.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,695.00	$215,880 Land $117,439 Building $98,441	$151,116 Land $82,207 Building $68,909
2024	$5,695.00 (+17.08%)
2023	$4,864.00 (+4.24%)	$206,010 (+2.12%) Land $75,250 Building $130,760
2022	$4,666.00	$201,740 Land $75,250 Building $126,490

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

Flood

FEMA maps place 40 Elm St 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 40 Elm St 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	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	NOANK FIRE DISTRICT serves 1,947 people · EPA ID CT0590031
Water Source	Purchased surface water from GROTON UTILITIES
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2025) 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, 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 147 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

May also be available: Verizon.

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