East Lyme Town property record for 5 Osprey Ln, Niantic, CT 06357
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,075 sqft · built 1984 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Sep 2020) |
| Tax Bill | $5,139 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2025 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ELYM M:07.14 B:00060 L:00000 |
| Primary APN | ELYM M:07.14 B:00060 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,075 sqft Living Area |
| Gross Area | 1,776 sqft |
| 1st Floor Area | 768 sqft |
| Attic | Attic |
| Attic Area | 768 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 28 |
|---|---|
| Street Address | 5 OSPREY LN |
| City | NIANTIC |
| State | CT |
| Zip | 06357-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Block | 60 |
| Jurisdiction | EAST LYME CT |
| Township / Civil Division | EAST LYME |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 870703 |
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 OSPREY LN, NIANTIC, CT 06357-1602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 31, 2025 | Warranty Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Sep 9, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage DIME BANK |
| Nov 22, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage PINNACLE FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2020 · Amount on Record |
| Deed Sale | Sep 9, 2020 · Amount on Record |
| Prior Sale | Nov 22, 2019 · Amount on Record |
| Deed Book / Page | 1037 / 710 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | May 1, 2026 |
| Property Address | 5 OSPREY LN, NIANTIC, CT 06357-1602 |
| Document Number | 001133-132 |
| Book / Page | 1133 / 132 |
| Instrument Date | Apr 26, 2026 |
| Instrument | 20261030 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5 OSPREY LN, NIANTIC, CT 06357-1602 |
| Document Number | 0000001030, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 1133/132 |
| Instrument | 20261030 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | Mar 31, 2025 |
| Property Address | 5 OSPREY LN, NIANTIC, CT 06357-1602 |
| Document Number | 001120-757 |
| Book / Page | 1120 / 757 |
| Instrument Date | Mar 27, 2025 |
| Instrument | 2025000657 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5 OSPREY LN, NIANTIC, CT 06357-1602 |
| Document Number | 2025000658 |
|---|---|
| Date | Mar 31, 2025 |
| Instrument | 2025000658 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | Sep 9, 2020 |
| Property Address | 5 OSPREY LN, NIANTIC, CT 06357-1602 |
| Document Number | 1037-710 |
| Book / Page | 1037 / 710 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 1037713 |
|---|---|
| Date | Sep 9, 2020 |
| Instrument | 1037/713 |
| Name | DIME BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EAST LYME CT |
| Recording Date | Nov 22, 2019 |
| Property Address | 5 OSPREY LN, NIANTIC, CT 06357-1602 |
| Document Number | 1021-286 |
| Book / Page | 1021 / 286 |
| Instrument Date | Nov 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 1021288 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 1021/288 |
| Name | PINNACLE FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,139.00 | $183,470 (-) Land $79,730 Building $103,740 | $128,429 Land $55,811 Building $72,618 |
| 2024 | $5,139.00 (+12.57%) | ||
| 2023 | $4,565.00 (+4.37%) | $183,470 (-) Land $79,730 Building $103,740 | |
| 2022 | $4,374.00 | $183,470 Land $79,730 Building $103,740 |
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 94% of the US · lower than 90% 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 142 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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