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Single Family ResidenceResidential
$529,116$185 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $525,000 on Jun 30, 2026

49 RIVER ST

OLD SAYBROOK, CT 06475
4
Beds
3
Baths
2,860 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$529K
$426K low$632K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$525,000 · Jun 30, 2026
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$174,116
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$139,293
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.40%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$355,000
TOTAL MORTGAGE SERVICES · 6.36% · recorded Jun 30, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,103 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$329,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$52,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$276,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$329,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$230,440

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.53
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.62%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyLOWER CONNECTICUT RIVER VALLEY
Lot (acres)The size of the land the home sits on, from county records.0.25
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(14)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Old Saybrook Middle SchoolA
Middle · Grades 5–8 · 0.7 mi
E
Kathleen E. Goodwin SchoolB-
Elementary · Grades PK–4 · 1.1 mi
H
Old Saybrook Senior High SchoolA-
High · Grades 9–12 · 1.5 mi

District: Old Saybrook School District

Neighborhood · ZIP 06475These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.62
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.110
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.8,754
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.448 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$110,477
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$145,402
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

49 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 89% of homes in Old Saybrook 06475
  • Among the lowest price per square foot in Old Saybrook 06475
  • Bigger than 90% of homes in Old Saybrook 06475
  • Has a smaller lot than 79% of homes in Lower Connecticut River Valley County
  • Older than 83% of homes in Old Saybrook 06475

What homes are worth in Old Saybrook 06475

Each bar is how many homes fall in that price range. The marker is this home.

This home
$380K$2.8M

This home is worth more than 11% of homes in Old Saybrook 06475.

How it measures up in Old Saybrook 06475

The dot is this home. The mark in the middle is the typical home in Old Saybrook 06475.

Estimated value$529,116
CheaperTypical $795,169Pricier

Pricier than 11% of homes nearby

Price per ft²$185
CheaperTypical $499Pricier

Cheaper than almost all homes nearby

Living area2,860 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.25 ac
SmallerTypical 0.39 acBigger

Bigger than 36% of homes nearby

Year built1940
OlderTypical 1964Newer

Newer than 17% of homes nearby

How 49 River St ranks against every home in each area.
MeasureThis homeOld Saybrook 06475Lower Connecticut River Valley County
Estimated valuepricier than$529,11611% of homes55% of homes
Price per ft²pricier than$185almost no homes4% of homes
Living areabigger than2,860 ft²90% of homes90% of homes
Lot sizebigger than0.25 ac36% of homes21% of homes
Year builtnewer than194017% of homes18% of homes

About 49 River St

How much is 49 River St, Old Saybrook, CT worth?

The TopHap Estimate for 49 River St, Old Saybrook, CT is $529,116 as of Jul 14, 2026. The likely range is $425,901 to $632,331. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 49 River St, Old Saybrook, CT last sell?

49 River St, Old Saybrook, CT last sold on Jun 30, 2026 for $525,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 49 River St, Old Saybrook, CT?

49 River St, Old Saybrook, CT has 4 bedrooms, 3 bathrooms, 2,860 square feet of living space and a 0.25-acre lot.

When was 49 River St, Old Saybrook, CT built?

49 River St, Old Saybrook, CT was built in 1940, making it 86 years old. It is a colonial home. The building has 2 stories.

What schools serve 49 River St, Old Saybrook, CT?

49 River St, Old Saybrook, CT is assigned to Old Saybrook Middle School (middle), rated A; Kathleen E. Goodwin School (elementary), rated B-; Old Saybrook Senior High School (high), rated A-. All sit in Old Saybrook School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 49 River St, Old Saybrook, CT compare to other homes in Old Saybrook 06475?

Among the 5,416 homes in Old Saybrook 06475, it is worth more than 11% of them ($529,116 against a typical $795,169), its price per square foot is higher than almost none of them ($185 against a typical $499), it is bigger than 90% of them (2,860 ft² against a typical 1,632 ft²), its lot is bigger than 36% of them (0.25 ac against a typical 0.39 ac) and it is newer than 17% of them (1940 against a typical 1964). Measured against all of Lower Connecticut River Valley County, it is worth more than 55% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 49 River St, Old Saybrook, CT?

The 2025 property tax bill for 49 River St, Old Saybrook, CT was $5,103. The county assessed it at $329,200.

More homes on River St

Closest homes

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Assigned schools

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See this home in context

Open 49 River Ston TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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