428 Main St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 428 Main St, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,912 sqft · built 1965
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Dec 2017)
Tax Bill	$5,565 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`OSAY M:022 B:018 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:022 B:018 L`
Alternative APN	`303700`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,912 sqft Living Area
Gross Area	3,323 sqft
1st Floor Area	775 sqft
Basement Area	775 sqft
Unfinished Basement	372 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	303700
Street Address	428 MAIN ST
City	OLD SAYBROOK
State	CT
Zip	06475-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	18
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	1
Census Block	1006
Census Tract	670200

Owner

Source: Old Saybrook Town records, as of June 25, 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 Record
Mailing Address	428 MAIN ST, OLD SAYBROOK, CT 06475-2320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 11, 2017	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on Record
Deed Sale	Dec 11, 2017 · Amount on Record
Prior Sale	Aug 21, 2007 · Amount on Record
Deed Book / Page	629 / 545
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	428 MAIN ST, OLD SAYBROOK, CT 06475-2320
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000688-971
Date	Jan 4, 2024
Book Page	688/971

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Dec 11, 2017
Property Address	428 MAIN ST, OLD SAYBROOK, CT 06475-2320
Document Number	629-545
Book / Page	000629 / 000545
Instrument Date	Dec 8, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 MAIN ST OLD SAYBROOK CT 064752320, OLD SAYBROOK, CT 06475-2320

Mortgage

Document Number	629-548
Date	Dec 11, 2017
Book Page	000629/000548

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Tax Assessment & Valuation

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	$5,565.00	$359,000 (+59.84%) Land $114,400 Building $244,600	$251,300 Land $80,080 Building $171,220
2024	$5,565.00 (+21.11%)
2023	$4,595.00 (+1.88%)	$224,600 (-) Land $77,900 Building $146,700
2022	$4,510.00	$224,600 Land $77,900 Building $146,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 92% of Connecticut
Wildfire Likelihood	Under 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	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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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