105 Harold Ave, Derby, CT 06418 Property Records

Derby City property record for 105 Harold Ave, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,308 sqft · built 1955
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jan 2016)
Tax Bill	$7,903 (2026)
Deeds & Mortgages	May 2022 Refinance Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`DERB M:3 B:4 L:99`

Property Details

APN / Parcel Number

Primary APN	`DERB M:3 B:4 L:99`
Alternative APNs	`000111` `5991` `111`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,308 sqft Living Area
1st Floor Area	1,308 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	111
Street Address	105 HAROLD AVE
City	DERBY
State	CT
Zip	06418-2317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Block	4
Legal Lot Number	99
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	1
Census Block	1004
Census Tract	120100

Owner

105 Harold Ave is owned and occupied by an individual who bought it in January 2016.

Source: Derby City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	105 HAROLD AVE, DERBY, CT 06418-2317
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
May 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jul 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2016 · Amount on File
Deed Sale	Jan 5, 2016 · Amount on File
Prior Sale	Dec 26, 2000 · Amount on File
Deed Book / Page	726 / 311
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	105 HAROLD AVE, DERBY, CT 06418-2317
Transaction Type	Mortgage
Record Updated	Jun 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000883-263
Date	May 19, 2022
Book Page	883/263
Instrument	899

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jun 1, 2046

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	105 HAROLD AVE, DERBY, CT 06418-2317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	822-134
Date	Jul 14, 2020
Book Page	822/134

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 105 Harold Ave was $7,903, up 31.1% from the year before.

Source: Derby City assessment roll, as of September 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
2026	$7,903.00 (+31.06%)	$205,590 (+47.29%) Land $47,040 Building $158,550	$364,924 (+273.49%)
2025	$6,030.00	$139,580 Land $42,480 Building $97,100	$97,706 Land $29,736 Building $67,970
2024	$6,030.00 (+11.92%)
2023	$5,388.00	$139,580 (-) Land $42,560 Building $97,020
2022	$5,388.00	$139,580 Land $42,560 Building $97,020

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

Flood

FEMA maps place 105 Harold Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 105 Harold Ave 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 99.1% of the US · lower than 99% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	AQUARION-EAST DERBY private · serves 1,101 people · EPA ID CT0378011
Water Source	Purchased surface water from REGIONAL WATER AUTHORITY
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 339 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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