Old Lyme, CT
Lower Connecticut River Valley41.3163°N, 72.3296°W
Tracking 5,677 properties across Old Lyme, Connecticut — a community where the median home dates to 1960 and the oldest to 1665. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
5,677
Properties Tracked
1960
Median Year Built
$549K
Median Assessed Value
27%
FEMA Flood Zone
1.50M
NEP Data Facts Tracked
71%
Coastal Zone
Click any parcel to view intelligence
Old Lyme, CTInc. 1855
Old Lyme is a shoreline town at the mouth of the Connecticut River, where the river meets Long Island Sound. The town's character as an artists' colony and summer resort community is reflected in a housing stock of historic homes, coastal properties, and the Impressionist-era landscape that first attracted painters to the area.
For property professionals, Old Lyme is an upper-value market with both river and Sound coastal exposure, creating complex flood and storm risk. The Connecticut River mouth, marshlands, and Sound shoreline each present different risk profiles.
Risk Profile
FEMA flood zones, fire protection grades, radon, coastal exposure, storm surge — parcel by parcel
FEMA Flood Zones
1,505 properties (27%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
4,171
AE
966
VE
408
A
131
AREA NOT INCLUDED
1
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
3
Grade B
741
Grade C
1,759
Grade D
2,741
Grade E
433
Coastal & Water Exposure
4,037 properties (71%) are within 3 miles of the ocean. 1,912 are classified as waterfront. The closest property is 0 ft from the coastline.
644
SLR 1 ft
Properties affected
726
SLR 3 ft
Properties affected
1,413
SLR 6 ft
Properties affected
2,278
Surge Exposure
Cat 1/2/3/4
978
Estuary
Waterfront
240
Pond
Waterfront
150
Lake
Waterfront
Zone 2
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
30 psf
Ground Snow Load
ASCE 7 standard
Very Low
FEMA Risk Index
NRI composite rating
The Property Landscape
5,677 properties · Median year built 1960 · Avg 1,823 sf
Property Types
Single Family
4,411
Vacant Land
341
Institutional
270
Multi-Family
234
Other
116
Commercial
99
Condominium
91
Two-Family
56
Industrial
27
Mixed Use
17
Construction by Era
Pre-1800
74
1800-1849
68
1850-1899
105
1900-1949
1,381
1950-1979
1,842
1980-1999
859
2000+
463
Architectural Styles
Colonial
1,023
Ranch
1,010
Conventional
687
Cape Cod
639
Vacant Land
512
Bungalow
285
Contemporary
209
Custom
207
Market Activity
Recorded transactions from Lower Connecticut River Valley Registry of Deeds
66%
Owner-Occupied
8%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 91% of Old Lyme properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Living in Old Lyme
Lower Connecticut River Valley · Connecticut
Zip Codes0637106376
7,628
Population
2020 Census
5,677
Properties
$549K
Median Assessed
66%
Owner-Occupied
23.0
Square Miles
Old Lyme covers 23.0 square miles in Lower Connecticut River Valley, Connecticut. The median assessed property value is $549K.
Single-family homes account for 4,411 of Old Lyme's 5,677 properties and 293 multi-family buildings. There are 99 commercial properties and 341 parcels of vacant land. About 66% of properties are owner-occupied, and 8% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $391K and $734K, with the highest assessed property at $43.2M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most properties rely on private septic systems, and 42% have public water service. Electric service is provided by MOHEGAN TRIBAL UTILITY AUTHORITY. 1,161 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Old Lyme its character.
What Old Lyme Property Intelligence Means for Professionals
Insurance & Underwriting
With 27% of properties in FEMA flood zones and 71% in the coastal zone, Old Lyme concentrates several major underwriting variables. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Old Lyme's 10 property types, spanning construction from 1665 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 27% of Old Lyme properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Old Lyme property intelligence.
5,677 Old Lyme properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/old-lyme-ct. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.