77 Neck Rd, Old Lyme, CT 06371 Property Records

Old Lyme Town property record for 77 Neck Rd, Old Lyme, CT 06371

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,772 sqft · built 1760
Lot Size	3.24 acres (141,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,320,000 (Jan 2021)
Tax Bill	$15,094 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`OLYM M:27 L:65`

Property Details

APN / Parcel Number

Primary APN	`OLYM M:27 L:65`
Alternative APNs	`00130300` `130300`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,772 sqft Living Area
Gross Area	5,914 sqft
Basement Area	638 sqft
Unfinished Basement	638 sqft

Exterior

Year Built	Built 1760
Effective Year Built	Effective 1760
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	141,420 sqft (3.24 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	130300
Street Address	77 NECK RD
City	OLD LYME
State	CT
Zip	06371-1464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU80
Legal Lot Number	65
Jurisdiction	OLD LYME CT
Township / Civil Division	OLD LYME
Census Block Group	2
Census Block	2005
Census Tract	660101

Owner

Source: Old 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	77 NECK RD, OLD LYME, CT 06371-1464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Balloon Mortgage WILLIAM RAVEIS MORTGAGE CO
Jan 17, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Jan 11, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Jan 11, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Sep 8, 2017	Warranty Deed, Transfer CAPITAL ONE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	Sep 8, 2017 · Amount on Record
Deed Book / Page	440 / 101
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD LYME CT
Property Address	77 NECK RD, OLD LYME, CT 06371-1464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	438-82
Date	Oct 19, 2020
Book Page	438/82

Lender

Name	WILLIAM RAVEIS MORTGAGE CO

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD LYME CT
Property Address	77 NECK RD, OLD LYME, CT 06371-1464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	431-1013
Date	Jan 17, 2020
Book Page	431/1013

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2045

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Jan 11, 2021
Property Address	77 NECK RD, OLD LYME, CT 06371-1464
Document Number	440-101
Book / Page	440 / 101
Instrument Date	Jan 7, 2021
Transaction Type	Transfer
Record Updated	May 21, 2021

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
Address	70-4 SILL LN, OLD LYME, CT 06371-1179

Mortgage

Document Number	440104
Date	Jan 11, 2021
Instrument	440/104

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Feb 1, 2031
Max Rate At Change	2.25%
Index	1-Year LIBOR

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Jan 11, 2021
Property Address	77 NECK RD, OLD LYME, CT 06371-1464
Document Number	000440-101
Book / Page	440 / 101
Instrument Date	Jan 7, 2021
Transaction Type	Transfer
Record Updated	Apr 2, 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
Address	70-4 SILL LN, OLD LYME, CT 06371-1179

Mortgage

Document Number	0000440104
Date	Jan 11, 2021
Instrument	440/104

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Feb 1, 2031
Max Rate At Change	2.25%
Index	1-Year LIBOR

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	Sep 8, 2017
Property Address	77 NECK RD, OLD LYME, CT 06371-1464
Document Number	418-560
Book / Page	418 / 560
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.57
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	4180563
Date	Sep 8, 2017
Instrument	00418/0563

Lender

Name	CAPITAL ONE BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2047

Tax Assessment & Valuation

Source: Old Lyme Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Old Lyme Town
Unified School District	Regional School District 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,094.00	$930,000 (+90.89%) Land $250,700 Building $679,300	$651,000 Land $175,490 Building $475,510
2024	$15,094.00 (+31.84%)
2023	$11,449.00	$487,200 (-) Land $119,500 Building $367,700
2022	$11,449.00	$487,200 Land $119,500 Building $367,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 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 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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