55 Cypress Rd, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 55 Cypress Rd, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,916 sqft · built 1978
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$893,500 (Dec 2025)
Tax Bill	$8,675 (2025)
Deeds & Mortgages	Dec 2025 Sale Jun 2020 Refinance + 2 more
Flood Zone	Zone VE (high risk)
APN	`OSAY M:004 B:034 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:004 B:034 L`
Alternative APN	`62200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,916 sqft Living Area
Gross Area	2,828 sqft
1st Floor Area	1,056 sqft
Basement Area	624 sqft
Unfinished Basement	504 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	62200
Street Address	55 CYPRESS RD
City	OLD SAYBROOK
State	CT
Zip	06475-2836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	34
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3006
Census Tract	670200

Owner

55 Cypress Rd is owned and occupied by two individuals who bought it in December 2025.

Source: Old Saybrook Town records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 CYPRESS RD, OLD SAYBROOK, CT 06475-2836
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Warranty Deed, Transfer
Jun 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Nov 15, 2018	Warranty Deed, Transfer JOEL R LUCAS
Dec 29, 2017	Trustee's Deed, Transfer · Conventional Mortgage JOEL R LUCAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on File
Deed Sale	Dec 5, 2025 · Amount on File
Prior Sale	Nov 15, 2018 · Amount on File
Deed Book / Page	703 / 647
Transfer Doc	610-256
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Dec 5, 2025
Property Address	55 CYPRESS RD, OLD SAYBROOK, CT 06475-2836
Document Number	000703-647
Book / Page	703 / 647
Instrument Date	Dec 1, 2025
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Amount	Amount 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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	55 CYPRESS RD, OLD SAYBROOK, CT 06475-2836
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	652-63
Date	Jun 30, 2020
Book Page	652/63

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Nov 15, 2018
Property Address	55 CYPRESS RD, OLD SAYBROOK, CT 06475-2836
Document Number	637-407
Book / Page	637 / 407
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.27
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6370410
Date	Nov 15, 2018
Instrument	00637/0410

Lender

Name	JOEL R LUCAS

Agreement

Amount	Amount on Record

December 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Dec 29, 2017
Property Address	55 CYPRESS RD, OLD SAYBROOK, CT 06475-2836
Document Number	629-899
Book / Page	000629 / 000899
Instrument Date	Dec 7, 2017
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CYPRESS RD OLD SAYBROOK CT 064752836, OLD SAYBROOK, CT 06475-2836

Mortgage

Document Number	629-902
Date	Dec 29, 2017
Book Page	000629/000902

Lender

Name	JOEL R LUCAS
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 55 Cypress Rd was $8,675.

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	$8,675.00	$559,700 Land $287,100 Building $272,600	$391,790 Land $200,970 Building $190,820
2024	$8,675.00 (+29.61%)
2023	$6,693.00 (+1.84%)	$327,300 (-) Land $187,500 Building $139,800
2022	$6,572.00	$327,300 Land $187,500 Building $139,800

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

Flood

FEMA maps place 55 Cypress Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 55 Cypress Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 269 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

Cell Coverage

5G (outdoors only) and 4G LTE

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