Waterford Town property record for 106 Spithead Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,209 sqft · built 1930 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,189 (2026) |
| Deeds & Mortgages | May 2025 Line of Credit Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:130 L:7839 |
| Primary APN | WATE M:130 L:7839 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,209 sqft Living Area |
| Gross Area | 2,175 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 40,075 sqft (0.92 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 731800 |
|---|---|
| Street Address | 106 SPITHEAD RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 |
| Legal Lot Number | 7839 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 693300 |
106 Spithead Rd is owned and occupied by two individuals who acquired it in November 2009.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 SPITHEAD RD, WATERFORD, CT 06385-1919 |
| 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.
| Date | Document |
|---|---|
| May 6, 2025 | Deed of Trust, Mortgage · Line of Credit SUN WEST MORTGAGE CO INC |
| Dec 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage NORCOM MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2009 |
| Deed Sale | Nov 2, 2009 |
| Deed Book / Page | 1103 / 263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 106 SPITHEAD RD, WATERFORD, CT 06385-1919 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001878-258 |
|---|---|
| Date | May 6, 2025 |
| Book Page | 1878/258 |
| Instrument | 177773 |
| Name | SUN WEST MORTGAGE CO INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 106 SPITHEAD RD, WATERFORD, CT 06385-1919 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001758-166 |
|---|---|
| Date | Dec 30, 2021 |
| Book Page | 1758/166 |
| Instrument | 163936 |
| Name | NORCOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2026 property tax bill for 106 Spithead Rd was $4,189, up 6.9% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,189.00 (+6.86%) | $170,720 (+1.73%) Land $95,730 Building $74,990 | $314,706 (+167.91%) |
| 2025 | $3,920.00 | $167,810 Land $95,730 Building $72,080 | $117,467 Land $67,011 Building $50,456 |
| 2024 | $3,920.00 (+10.17%) | ||
| 2023 | $3,558.00 | $167,810 Land $95,730 Building $72,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Spithead Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 20, 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 risk around 106 Spithead Rd 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERFORD WPCA serves 16,578 people · EPA ID CT1520071 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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