5 Cove Hill Rd, Niantic, CT 06357 Property Records

East Lyme Town property record for 5 Cove Hill Rd, Niantic, CT 06357

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,361 sqft · built 2008
Lot Size	1.59 acres (69,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$985,000 (Oct 2025)
Tax Bill	$12,907 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`ELYM M:022.3 B:00012 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ELYM M:022.3 B:00012 L:00000`
Alternative APN	`5992`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,361 sqft Living Area
Gross Area	5,868 sqft
1st Floor Area	1,374 sqft
Basement Area	1,374 sqft
Unfinished Basement	162 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	69,500 sqft (1.59 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	5992
Street Address	5 COVE HILL RD
City	NIANTIC
State	CT
Zip	06357-1958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	12
Jurisdiction	EAST LYME CT
Township / Civil Division	EAST LYME
Census Block Group	1
Census Block	1010
Census Tract	870701

Owner

Source: East Lyme 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	5 COVE HILL RD, NIANTIC, CT 06357-1958
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Warranty Deed, Transfer NATIONS DIRECT MORTGAGE LLC
Jul 25, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Jul 25, 2017 · Amount on Record
Deed Document Number	20252374
Deed Book / Page	1126 / 1104
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Oct 23, 2025
Property Address	5 COVE HILL RD, NIANTIC, CT 06357-1958
Document Number	01126-1104
Book / Page	1126 / 1104
Instrument Date	Oct 21, 2025
Instrument	2374
Transaction Type	Transfer
Record Updated	Mar 31, 2026

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
Address	5 COVE HILL RD, NIANTIC, CT 06357-1958

Mortgage

Document Number	0000002375
Date	Oct 23, 2025
Instrument	2375

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Jul 25, 2017
Property Address	5 COVE HILL RD, NIANTIC, CT 06357-1958
Document Number	984-42
Book / Page	000984 / 000042
Transaction Type	Transfer
Record Updated	Aug 22, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 COVE HILL RD NIANTIC CT 063571958, NIANTIC, CT 06357-1958

Tax Assessment & Valuation

Source: East Lyme Town assessment roll, as of June 25, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,907.00	$460,810 (-) Land $122,220 Building $338,590	$322,567 Land $85,554 Building $237,013
2024	$12,907.00 (+12.58%)
2023	$11,465.00 (+4.36%)	$460,810 (-) Land $122,220 Building $338,590
2022	$10,986.00	$460,810 Land $122,220 Building $338,590

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 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.

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	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 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

Cell Coverage

5G (outdoors only) and 4G LTE

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