44 Whitecap Rd, Niantic, CT 06357 Property Records

East Lyme Town property record for 44 Whitecap Rd, Niantic, CT 06357 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1976
Square Footage	1,149 sqft Living Area
Lot Size	7,841 sqft (0.18 acres)
Occupancy	Owner Occupied
Last Sale	$295,000 (2018)
Tax Bill	$6,939.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`ELYM M:05.14 B:00052 L:00000`
Alternative APN	`2819`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Partial Baths	2 Partial Baths
Total Rooms	8 Rooms
Building Area	1,149 sqft Living Area
Gross Area	2,733 sqft Gross Area
1st Floor	1,149 sqft 1st Floor
Basement Area	1,032 sqft Basement
Unfinished Basement	235 sqft Unfinished
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch Style
Exterior Material	Brick Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	7,841 sqft (0.18 acres)
Deck Area	Deck Area

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Account Number	2819
Street Address	44 WHITECAP RD
City	NIANTIC
State	CT
Zip	06357-3326
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	52
Jurisdiction	EAST LYME CT
Minor Civil Division	EAST LYME
Census Blockgroup	2
Census Block	2045
Census Tract	870704

Owner

Source: East Lyme Town records · APN ELYM M:05.14 B:00052 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	44 WHITECAP RD, NIANTIC, CT 06357-3326
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 05, 2021	Deed of Trust, Mortgage · Balloon Payment RELIANCE FIRST CAPITAL LLC
Jan 07, 2020	Deed of Trust, Mortgage · Balloon Payment CITIZENS BANK
Oct 24, 2018	Warranty Deed, Transfer Quitclaim Document
May 01, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Oct 12, 2017	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2018 · Amount on Record
Deed Sale	May 01, 2018 · Amount on Record
Deed Book / Page	995 / 761
Record Refreshed	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	44 WHITECAP RD, NIANTIC, CT 06357-3326
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1053-98
Date	Apr 05, 2021
Book Page	1053/98
Instrument	1072

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Balloon Payment
Amount	Amount Recorded
Term	325 Months
Due	May 01, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	44 WHITECAP RD, NIANTIC, CT 06357-3326
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1023-563
Date	Jan 07, 2020
Book Page	1023/563

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Payment
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Oct 24, 2018
Property Address	44 WHITECAP RD, NIANTIC, CT 06357-3326
Document Number	1003-780
Book / Page	001003 / 000780
Instrument Date	Oct 24, 2018
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 WHITECAP RD NIANTIC CT 063573326, NIANTIC, CT 06357-3326

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	May 01, 2018
Property Address	44 WHITECAP RD, NIANTIC, CT 06357-3326
Document Number	995-761
Book / Page	000995 / 000761
Transaction Type	Transfer
Record Updated	Aug 08, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	995-764
Date	May 01, 2018
Book Page	000995/000764

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

October 2017: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	EAST LYME CT
Recording Date	Oct 12, 2017
Property Address	44 WHITECAP RD, NIANTIC, CT 06357-3326
Document Number	988-263
Book / Page	000988 / 000263
Transaction Type	Transfer
Record Updated	Nov 07, 2017

Transaction

Tax	$0.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 WHITECAP RD NIANTIC CT 063573326, NIANTIC, CT 06357-3326

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	$6,939.00	$247,730 (-) Land $112,630 Building $135,100	$173,411 Land $78,841 Building $94,570
2024	$6,939.00 (+12.57%)
2023	$6,164.00 (+4.37%)	$247,730 (-) Land $112,630 Building $135,100
2022	$5,906.00	$247,730 Land $112,630 Building $135,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09011C updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

44 Whitecap Rd, Niantic, CT 06357 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Fiduciary Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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