97 W Main St, Apt 22, Niantic, CT 06357 Property Records

East Lyme Town property record for 97 W Main St, Apt 22, Niantic, CT 06357 · Last verified July 2026

Property Highlights

Property Type	Residential > Condominium / Townhouse > Condominium
Bedrooms	2 Beds
Bathrooms	2.5 Baths
Year Built	Built 1984
Square Footage	1,520 sqft Living Area
Garage	Basement
Occupancy	Owner Occupied
Last Sale	$207,000 (2019)
Tax Bill	$4,919.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`ELYM M:011.3 B:00099 L:00022`
Alternative APN	`2185`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	4 Rooms
Units	96 Units
Building Area	1,520 sqft Living Area
Gross Area	2,556 sqft Gross Area
1st Floor	744 sqft 1st Floor
Attic Area	240 sqft Attic
Attic	1 Attic
Basement Area	328 sqft Basement
Unfinished Basement	328 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment Style
Exterior Material	Wood Siding Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Garage Type	Basement Garage
Deck Area	Deck Area

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Baseboard Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	2185
Street Address	97 W MAIN ST, 22
City	NIANTIC
State	CT
Zip	06357-1730
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	PONDCLIFF
Legal Block	99
Legal Lot Number	22
Jurisdiction	EAST LYME CT
Minor Civil Division	EAST LYME
Census Blockgroup	1
Census Block	1000
Census Tract	716101

Owner

Source: East Lyme Town records · APN ELYM M:011.3 B:00099 L:00022

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	97 W MAIN ST, 22, NIANTIC, CT 06357-1730
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Mar 07, 2022	Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment CHELSEA GROTON BANK
Nov 25, 2019	Warranty Deed, Transfer · Stand Alone First Mortgage CHELSEA GROTON BANK
Jun 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Apr 27, 2018	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Deed Book / Page	1021 / 505
Transfer Doc	949-165
Record Refreshed	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	97 W MAIN ST APT 22, 22, NIANTIC, CT 06357-1730
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001076-507
Date	Mar 07, 2022
Book Page	1076/507
Instrument	663

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Second Mortgage to Cover Down Payment
Amount	Amount Recorded
Term	121 Months
Due	Apr 01, 2032

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Nov 25, 2019
Property Address	97 W MAIN ST APT 22, 22, NIANTIC, CT 06357-1730
Document Number	1021-505
Book / Page	1021 / 505
Instrument Date	Nov 13, 2019
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1021508
Date	Nov 25, 2019
Instrument	1021/508

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAST LYME CT
Property Address	97 W MAIN ST APT 22, 22, NIANTIC, CT 06357-1730
Document Number	1014-484
Instrument Date	Jun 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 W MAIN ST #22 NIANTIC CT 063571730, 22, NIANTIC, CT 06357-1730

Mortgage

Document Number	1014-484
Date	Jul 16, 2019
Book Page	001014/000484

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2034

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAST LYME CT
Recording Date	Apr 27, 2018
Property Address	97 W MAIN ST APT 22, 22, NIANTIC, CT 06357-1730
Document Number	995-594
Book / Page	000995 / 000594
Transaction Type	Transfer
Record Updated	May 15, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 W MAIN ST #22 NIANTIC CT 063571730, 22, NIANTIC, CT 06357-1730

Mortgage

Document Number	995-597
Date	Apr 27, 2018
Book Page	000995/000597

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

Source: East Lyme Town records · Assessment roll updated June 25, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,919.00	$175,630 (-) Building $175,630	$122,941 Building $122,941
2024	$4,919.00 (+12.56%)
2023	$4,370.00 (+4.37%)	$175,630 (-) Building $175,630
2022	$4,187.00	$175,630 Building $175,630

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09011C updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

97 W Main St, Apt 22, Niantic, CT 06357 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on W Main St

Nearby Streets

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