416 Saybrook Rd, Higganum, CT 06441 Property Records

Haddam Town property record for 416 Saybrook Rd, Higganum, CT 06441

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,331 sqft · built 1825
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$282,500 (Mar 2004)
Tax Bill	$9,609 (2026)
Deeds & Mortgages	Sep 2024 Refinance Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HADD M:14 B:078`

Property Details

APN / Parcel Number

Primary APN	`HADD M:14 B:078`
Alternative APN	`S0584000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,331 sqft Living Area
Gross Area	4,768 sqft
Basement Area	1,068 sqft
Unfinished Basement	1,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1825
Effective Year Built	Effective 1825
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	S0584000
Street Address	416 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	78
Jurisdiction	HADDAM CT
Township / Civil Division	HADDAM
Census Block Group	1
Census Block	1004
Census Tract	590101

Owner

416 Saybrook Rd is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	416 SAYBROOK RD, HADDAM, CT 06438-1001
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
Sep 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY BANK
Dec 30, 2020	Quit Claim Deed, Transfer · Balloon Mortgage EVOLVE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2004 · Amount on File
Deed Sale	Mar 18, 2004 · Amount on File
Prior Sale	Jul 9, 2001 · Amount on File
Deed Book / Page	275 / 360
Last Transfer Date	Dec 23, 2020
Transfer Doc	405-658
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HADDAM CT
Property Address	416 SAYBROOK RD, HIGGANUM, CT 06441-4111
Transaction Type	Mortgage
Record Updated	Sep 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000428-306
Date	Sep 5, 2024
Book Page	428/306
Instrument	2024000238

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HADDAM CT
Recording Date	Dec 30, 2020
Property Address	416 SAYBROOK RD, HIGGANUM, CT 06441-4111
Document Number	000405-658
Book / Page	405 / 658
Instrument Date	Dec 23, 2020
Instrument	2020210964
Transaction Type	Transfer
Record Updated	Nov 16, 2022

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
Relationship	Joint Tenants

Mortgage

Document Number	000405-660
Date	Dec 30, 2020
Book Page	405/660
Instrument	2020210965

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 416 Saybrook Rd was $9,609, up 42% from the year before.

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Haddam Town
Unified School District	Regional School District 17 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,609.00 (+42%)	$384,650 (+95.26%) Land $57,750 Building $326,900	$522,005 (+278.56%)
2025	$6,767.00	$196,990 Land $57,750 Building $139,240	$137,893 Land $40,425 Building $97,468
2024	$6,767.00 (+0.88%)
2023	$6,708.00 (+4.76%)	$198,040 (-) Land $58,800 Building $139,240
2022	$6,403.00	$198,040 Land $58,800 Building $139,240

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

Flood

FEMA maps place 416 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

Wildfire risk around 416 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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