Old Lyme Town property record for 438 Shore Rd, Old Lyme, CT 06371
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 4 ba · 2,870 sqft · built 1900 |
| Lot Size | 3.96 acres (172,877 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,348 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit Sep 2024 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | OLYM M:15 L:11 |
| Primary APN | OLYM M:15 L:11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,870 sqft Living Area |
| Gross Area | 4,588 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 172,877 sqft (3.96 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 55500 |
|---|---|
| Street Address | 438 SHORE RD |
| City | OLD LYME |
| State | CT |
| Zip | 06371-2836 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | C-30 |
| Legal Lot Number | 11 |
| Jurisdiction | OLD LYME CT |
| Township / Civil Division | OLD LYME |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 660103 |
438 Shore Rd, a duplex, is owned and occupied by two individuals.
Source: Old Lyme Town records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 SHORE RD, OLD LYME, CT 06371-2836 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 26, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLD LYME CT |
| Property Address | 438 SHORE RD, OLD LYME, CT 06371-2836 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000467-702 |
|---|---|
| Date | Aug 25, 2025 |
| Book Page | 467/702 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLD LYME CT |
| Property Address | 438 SHORE RD, OLD LYME, CT 06371-2836 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00462-1200 |
|---|---|
| Date | Sep 26, 2024 |
| Book Page | 462/1200 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 438 Shore Rd was $5,348.
Source: Old Lyme Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Old Lyme Town |
| Unified School District | Regional School District 18 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,348.00 | $329,500 Land $109,800 Building $219,700 | $230,650 Land $76,860 Building $153,790 |
| 2024 | $5,348.00 (-9.51%) | ||
| 2023 | $5,910.00 | $251,500 (-) Land $95,600 Building $155,900 | |
| 2022 | $5,910.00 | $251,500 Land $95,600 Building $155,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Shore Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 438 Shore 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CTWC - SHORELINE REGION-POINT O WOODS private · serves 1,068 people · EPA ID CT1050752 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 53 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 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Breezeline.
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