116 Prospect St, Ansonia, CT 06401 Property Records

Ansonia City property record for 116 Prospect St, Ansonia, CT 06401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,184 sqft · built 1880
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2025)
Tax Bill	$4,007 (2026)
Deeds & Mortgages	Dec 2024 Refinance Aug 2025 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49510`

Property Details

APN / Parcel Number

Primary APN	`49510`
Alternative APN	`ANSO M:057 B:0088 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,184 sqft Living Area
Gross Area	1,938 sqft
1st Floor Area	634 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	49510
Street Address	116 PROSPECT ST
City	ANSONIA
State	CT
Zip	06401-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	88
Jurisdiction	ANSONIA CT
Township / Civil Division	ANSONIA
Census Block Group	2
Census Block	2000
Census Tract	125200

Owner

116 Prospect St is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	116 PROSPECT ST, ANSONIA, CT 06401-1522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 9, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOAN STORE INC
Aug 8, 2025	Warranty Deed, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
May 1, 2017	Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	May 1, 2017 · Amount on File
Deed Book / Page	633 / 201
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANSONIA CT
Property Address	116 PROSPECT ST, ANSONIA, CT 06401-1522
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000627-455
Date	Dec 9, 2024
Book Page	627/455
Instrument	1963060011

Lender

Name	LOAN STORE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ANSONIA CT
Recording Date	Aug 8, 2025
Property Address	116 PROSPECT ST, ANSONIA, CT 06401-1522
Document Number	000633-201
Book / Page	633 / 201
Instrument Date	Aug 6, 2025
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	116 PROSPECT ST, ANSONIA, CT 06401-1522

Mortgage

Document Number	1985990019
Date	Aug 8, 2025
Instrument	1985990019

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANSONIA CT
Property Address	116 PROSPECT ST, ANSONIA, CT 06401-1522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	579-1140
Date	Jul 29, 2020
Book Page	579/1140
Instrument	1775090015

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2045

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ANSONIA CT
Recording Date	May 1, 2017
Property Address	116 PROSPECT ST, ANSONIA, CT 06401-1522
Document Number	550-1109
Book / Page	000550 / 001109
Instrument Date	May 1, 2017
Instrument	161985
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	550-1112
Date	May 1, 2017
Book Page	000550/001112
Instrument	161986

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 116 Prospect St was $4,007, up 3.2% from the year before.

Source: Ansonia City assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,007.00 (+3.19%)	$136,010 (-) Land $38,220 Building $97,790	$316,936 (+232.89%)
2025	$3,883.00	$136,010 Land $38,220 Building $97,790	$95,207 Land $26,754 Building $68,453
2024	$3,883.00 (+8.8%)
2023	$3,569.00 (-11.02%)	$136,010 (+28.19%) Land $38,220 Building $97,790
2022	$4,011.00	$106,100 Land $42,400 Building $63,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 116 Prospect St 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 116 Prospect St is low, with 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 264 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: Verizon.

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