East Lyme Town property record for 45 Carriage Hill Dr, Niantic, CT 06357
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1962 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Jan 2013) |
| Tax Bill | $4,837 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jun 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ELYM M:015.4 B:00133 L:00000 |
| Primary APN | ELYM M:015.4 B:00133 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 2,392 sqft |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 488 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 812 |
|---|---|
| Street Address | 45 CARRIAGE HILL DR |
| City | NIANTIC |
| State | CT |
| Zip | 06357-1341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Block | 133 |
| Jurisdiction | EAST LYME CT |
| Township / Civil Division | EAST LYME |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 716101 |
Source: East Lyme Town records, as of September 23, 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 | 45 CARRIAGE HILL DR, NIANTIC, CT 06357-1341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Jun 26, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 2, 2013 · Amount on Record |
| Deed Sale | Jan 2, 2013 · Amount on Record |
| Prior Sale | Jun 18, 2012 |
| Deed Book / Page | 905 / 119 |
| Transfer Doc | 000892-246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | Aug 24, 2026 |
| Property Address | 45 CARRIAGE HILL DR, NIANTIC, CT 06357-1341 |
| Document Number | 0000002213 |
| Book / Page | 1137 / 776 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20262213 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 CARRIAGE HILL DR, NIANTIC, CT 06357-1341 |
| Document Number | 0000002213, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 1137/776 |
| Instrument | 20262213 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 45 CARRIAGE HILL DR, NIANTIC, CT 06357-1341 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 01122-1164 |
|---|---|
| Date | Jun 26, 2025 |
| Book Page | 1122/1164 |
| Instrument | 1363 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 45 CARRIAGE HILL DR, NIANTIC, CT 06357-1341 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001085-486 |
|---|---|
| Date | Aug 11, 2022 |
| Book Page | 1085/486 |
| Instrument | 2343 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Property Address | 45 CARRIAGE HILL DR, NIANTIC, CT 06357-1341 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00001094-8 |
|---|---|
| Date | Mar 6, 2023 |
| Book Page | 1094/8 |
| Instrument | 408 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Apr 1, 2050 |
Source: East Lyme Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | East Lyme Town |
| Unified School District | East Lyme School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,837.00 | $172,690 (-) Land $87,010 Building $85,680 | $120,883 Land $60,907 Building $59,976 |
| 2024 | $4,837.00 (+12.57%) | ||
| 2023 | $4,297.00 (+4.37%) | $172,690 (-) Land $87,010 Building $85,680 | |
| 2022 | $4,117.00 | $172,690 Land $87,010 Building $85,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 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 | EAST LYME WATER & SEWER COMMISSION serves 15,245 people · EPA ID CT0450011 |
|---|---|
| Water Source | Purchased surface water from NEW LONDON DEPT. OF PUBLIC UTILITIES |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 129 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 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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