10 Stephen St, Derby, CT 06418 Property Records

Derby City property record for 10 Stephen St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,408 sqft · built 1971
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$86,000 (Nov 1985)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DERB M:6 B:6 L:54`

Property Details

APN / Parcel Number

Primary APN	`DERB M:6 B:6 L:54`
Alternative APNs	`000650` `6557` `650`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Basement Area	1,408 sqft
Unfinished Basement	1,158 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	650
Street Address	10 STEPHEN ST
City	DERBY
State	CT
Zip	06418-2125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	6
Legal Lot Number	54
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	3
Census Block	3001
Census Tract	120100

Owner

Source: Derby City records, as of June 25, 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 Record
Mailing Address	10 STEPHEN ST, DERBY, CT 06418-2125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2017	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK
May 23, 2018	Deed of Trust, Mortgage WEBSTER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 1985 · Amount on Record
Deed Sale	Nov 21, 1985 · Amount on Record
Deed Book / Page	193 / 595
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	10 STEPHEN ST, DERBY, CT 06418-2125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	754-36
Date	Apr 24, 2017
Book Page	754/36

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	10 STEPHEN ST, DERBY, CT 06418-2125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	777-230
Date	May 23, 2018
Book Page	777/230

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 1, 2033

Tax Assessment & Valuation

Source: Derby City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Derby City
Unified School District	Derby School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,979.00	$161,560 (-) Land $39,460 Building $122,100	$113,092 Land $27,622 Building $85,470
2024	$6,979.00 (+11.91%)
2023	$6,236.00	$161,560 (-) Land $39,480 Building $122,080
2022	$6,236.00	$161,560 Land $39,480 Building $122,080

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 25, 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

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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
Water Source	Surface water
Last State Inspection	Jun 2024
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 248 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

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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