460 Middlesex Tpke, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 460 Middlesex Tpke, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,404 sqft · built 1990
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$459,000 (Jun 2022)
Tax Bill	$5,041 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`596200`

Property Details

APN / Parcel Number

Primary APN	`596200`
Alternative APN	`OSAY M:057 B:036 L:5`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,404 sqft Living Area
Gross Area	4,700 sqft
1st Floor Area	716 sqft
Basement Area	704 sqft
Finished Basement	704 sqft
Unfinished Basement	704 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,628 sqft (1.3 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	596200
Street Address	460 MIDDLESEX TPKE
City	OLD SAYBROOK
State	CT
Zip	06475-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA-1
Legal Block	36
Legal Lot Number	5
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3003
Census Tract	670100

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	2 Individual Names on Record
Mailing Address	196 OAKLAND ST, STRATFORD, CT 06615-5629
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK
Jun 29, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage ARC HOME LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Deed Book / Page	677 / 117
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	460 MIDDLESEX TPKE, OLD SAYBROOK, CT 06475-1202
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000662-977
Date	Apr 19, 2021
Book Page	662/977

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jun 29, 2022
Property Address	460 MIDDLESEX TPKE, OLD SAYBROOK, CT 06475-1202
Document Number	000677-117
Book / Page	677 / 117
Instrument Date	Jun 29, 2022
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000677119
Date	Jun 29, 2022
Instrument	677/119

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,041.00	$325,200 (+44.15%) Land $56,300 Building $268,900	$227,640 Land $39,410 Building $188,230
2024	$5,041.00 (+9.25%)
2023	$4,614.00 (+1.85%)	$225,600 (-) Land $61,100 Building $164,500
2022	$4,530.00	$225,600 Land $61,100 Building $164,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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