445 Main St, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 445 Main St, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,052 sqft · built 1989
Lot Size	1.64 acres (71,438 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Jan 2020)
Tax Bill	$15,427 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`OSAY M:023 B:084 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:023 B:084 L`
Alternative APN	`339800`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,052 sqft Living Area
Gross Area	4,820 sqft
1st Floor Area	1,690 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asbestos
Lot Area	71,438 sqft (1.64 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	339800
Street Address	445 MAIN ST
City	OLD SAYBROOK
State	CT
Zip	06475-2519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	84
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	1
Census Block	1022
Census Tract	670200

Owner

445 Main St is owned and occupied by two individuals who bought it in January 2020.

Source: Old Saybrook Town records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	445 MAIN ST, OLD SAYBROOK, CT 06475-2519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 22, 2021	Deed of Trust, Mortgage · Balloon Mortgage HOME POINT FINANCIAL CORPORATION
Jan 2, 2020	Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2020 · Amount on File
Deed Sale	Jan 2, 2020 · Amount on File
Prior Sale	Jun 27, 1996 · Amount on File
Deed Book / Page	646 / 997
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	445 MAIN ST, OLD SAYBROOK, CT 06475-2519
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000674-508
Date	Mar 21, 2022
Book Page	674/508

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	445 MAIN ST, OLD SAYBROOK, CT 06475-2519
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	660-364
Date	Feb 22, 2021
Book Page	660/364

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jan 2, 2020
Property Address	445 MAIN ST, OLD SAYBROOK, CT 06475-2519
Document Number	646-997
Book / Page	646 / 997
Instrument Date	Dec 23, 2019
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6461000
Date	Jan 2, 2020
Instrument	646/1000

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 445 Main St was $15,427.

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	$15,427.00	$995,300 Land $438,900 Building $556,400	$696,710 Land $307,230 Building $389,480
2024	$15,427.00 (+7.9%)
2023	$14,297.00 (+1.84%)	$699,100 (-) Land $297,700 Building $401,400
2022	$14,038.00	$699,100 Land $297,700 Building $401,400

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

Flood

FEMA maps place 445 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 445 Main St is low, with less than 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 99.1% of the US · lower than 99% 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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