90 Flat Rock Hill Rd, Old Lyme, CT 06371 Property Records

Old Lyme Town property record for 90 Flat Rock Hill Rd, Old Lyme, CT 06371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,541 sqft · built 2006
Lot Size	1.84 acres (80,436 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (May 2023)
Tax Bill	$5,978 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`OLYM M:18 L:72-3`

Property Details

APN / Parcel Number

Primary APN	`OLYM M:18 L:72-3`
Alternative APNs	`00078120` `78120`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,541 sqft Living Area
Gross Area	5,520 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,436 sqft (1.84 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	78120
Street Address	90 FLAT ROCK HILL RD
City	OLD LYME
State	CT
Zip	06371-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU80
Legal Lot Number	72-3
Jurisdiction	OLD LYME CT
Township / Civil Division	OLD LYME
Census Block Group	1
Census Block	1015
Census Tract	660103

Owner

90 Flat Rock Hill Rd is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	90 FLAT ROCK HILL RD, OLD LYME, CT 06371-1502
Occupancy	Owner Occupied
Owner Type	Individual

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
May 30, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FILO MORTGAGE LLC
Jul 15, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on File
Deed Sale	May 30, 2023 · Amount on File
Prior Sale	Apr 30, 2007 · Amount on File
Deed Book / Page	455 / 939
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD LYME CT
Recording Date	May 30, 2023
Property Address	90 FLAT ROCK HILL RD, OLD LYME, CT 06371-1502
Document Number	000455-939
Book / Page	455 / 939
Instrument Date	May 25, 2023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000455946
Date	May 30, 2023
Instrument	455/946

Lender

Name	FILO MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD LYME CT
Property Address	90 FLAT ROCK HILL RD, OLD LYME, CT 06371-1502
Document Number	417-830
Book / Page	000417 / 000830
Instrument Date	Jul 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 FLAT ROCK HILL RD OLD LYME CT 063711502, OLD LYME, CT 06371-1502

Mortgage

Document Number	417-830
Date	Aug 1, 2017
Book Page	000417/000830

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 31, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 90 Flat Rock Hill Rd was $5,978.

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	$5,978.00	$368,300 Land $75,000 Building $293,300	$257,810 Land $52,500 Building $205,310
2024	$5,978.00 (-0.17%)
2023	$5,988.00	$254,800 (-) Land $77,200 Building $177,600
2022	$5,988.00	$254,800 Land $77,200 Building $177,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 90 Flat Rock Hill Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 90 Flat Rock Hill Rd is low, with a 0.01% annual chance of 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 16 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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