99 Neptune Dr, Old Saybrook, CT 06475 Property Records

Old Saybrook Town property record for 99 Neptune Dr, Old Saybrook, CT 06475

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,057 sqft · built 2018
Lot Size	0.264 acres (11,497 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2017)
Tax Bill	$8,258 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OSAY M:008 B:060 L`

Property Details

APN / Parcel Number

Primary APN	`OSAY M:008 B:060 L`
Alternative APN	`124400`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,057 sqft Living Area
Gross Area	4,308 sqft
1st Floor Area	968 sqft
Basement Area	1,116 sqft
Unfinished Basement	1,116 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,497 sqft (0.264 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	124400
Street Address	99 NEPTUNE DR
City	OLD SAYBROOK
State	CT
Zip	06475-2935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	60
Jurisdiction	OLD SAYBROOK CT
Township / Civil Division	OLD SAYBROOK
Census Block Group	3
Census Block	3024
Census Tract	670200

Owner

99 Neptune Dr is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	99 NEPTUNE DR, OLD SAYBROOK, CT 06475-2935
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
Mar 12, 2021	Warranty Deed, Transfer · Balloon Mortgage BANK OF AMERICA NA
Mar 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage ESSEX SAVINGS BANK
Feb 2, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 23, 2017	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2017 · Amount on File
Deed Sale	Jun 23, 2017 · Amount on File
Deed Book / Page	625 / 109
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Mar 12, 2021
Property Address	99 NEPTUNE DR, OLD SAYBROOK, CT 06475
Document Number	661-214
Book / Page	661 / 214
Instrument Date	Mar 10, 2021
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	$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

Mortgage

Document Number	661-217
Date	Mar 12, 2021
Book Page	661/217

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLD SAYBROOK CT
Property Address	99 NEPTUNE DR, OLD SAYBROOK, CT 06475
Document Number	631-616
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	99 NEPTUNE DR OLD SAYBROOK CT 06475, OLD SAYBROOK, CT 06475

Mortgage

Document Number	631-616
Date	Mar 14, 2018
Book Page	000631/000616

Lender

Name	ESSEX SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Feb 2, 2018
Property Address	99 NEPTUNE DR, OLD SAYBROOK, CT 06475
Document Number	630-654
Book / Page	000630 / 000654
Instrument Date	Feb 2, 2018
Transaction Type	Transfer
Record Updated	Mar 6, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	99 NEPTUNE DR OLD SAYBROOK CT 06475, OLD SAYBROOK, CT 06475

June 2017: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	OLD SAYBROOK CT
Recording Date	Jun 23, 2017
Property Address	99 NEPTUNE DR, OLD SAYBROOK, CT 06475
Document Number	625-109
Book / Page	000625 / 000109
Instrument Date	Jun 22, 2017
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Amount	Amount on Record
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	82 ATLANTIC DR OLD SAYBROOK CT 064752954, OLD SAYBROOK, CT 06475-2954

Tax Assessment & Valuation

The 2025 property tax bill for 99 Neptune Dr was $8,258.

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	$8,258.00	$532,800 Land $205,700 Building $327,100	$372,960 Land $143,990 Building $228,970
2024	$8,258.00 (+28.11%)
2023	$6,446.00 (+1.85%)	$315,200 (-) Land $139,600 Building $175,600
2022	$6,329.00	$315,200 Land $139,600 Building $175,600

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

Flood

FEMA maps place 99 Neptune Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

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

Wildfire risk around 99 Neptune Dr is low, with less than 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 95% of the US · lower than 92% 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.

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 222 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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