446 Main St, Unit 1, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 446 Main St, Unit 1, Old Saybrook, CT 06475

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 2,376 sqft · built 2004
Lot Size	0.909 acres (39,602 sqft)
Owner	Individual Name on Record
Last Sale	$620,000 (Sep 2019)
Tax Bill	$9,503 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`304110`

Property Details

APN / Parcel Number

Primary APN	`304110`
Alternative APN	`OSAY M:022 B:022 L:U001`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	16 Units
Stories	2 Stories
Building Area	2,376 sqft Living Area
Gross Area	3,358 sqft
1st Floor Area	1,023 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,602 sqft (0.909 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	304110
Street Address	446 MAIN ST, 1
City	OLD SAYBROOK
State	CT
Zip	06475-2576
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A
Legal Block	22
Legal Lot Number	U001
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	Individual Name on Record
Mailing Address	446 MAIN ST, 1, OLD SAYBROOK, CT 06475-2576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2019 · Amount on Record
Deed Sale	Sep 3, 2019 · Amount on Record
Prior Sale	Jun 29, 2005 · Amount on Record
Deed Book / Page	643 / 955
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Sep 3, 2019
Property Address	446 MAIN ST UNIT 1, 1, OLD SAYBROOK, CT 06475-2576
Document Number	643-955
Book / Page	643 / 955
Instrument Date	Sep 3, 2019
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
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
Address	23 MOHEGAN AVE, OLD SAYBROOK, CT 06475-3135
Investor	Possibly a Property Investor

Mortgage

Document Number	643957
Date	Sep 3, 2019
Instrument	643/957

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2024
Max Rate At Change	2.25%
Index	Other

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	$9,503.00	$613,100 (+63.1%) Building $613,100	$429,170 Building $429,170
2024	$9,503.00 (+23.62%)
2023	$7,687.00 (+1.84%)	$375,900 (-) Building $375,900
2022	$7,548.00	$375,900 Building $375,900

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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