12 Baldwin Dr, Waterford, CT 06385 Property Records

Waterford Town property record for 12 Baldwin Dr, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,745 sqft · built 1969
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Dec 2022)
Tax Bill	$10,146 (2026)
Deeds & Mortgages	Jul 2023 Refinance Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:145 L:155`

Property Details

APN / Parcel Number

Primary APN	`WATE M:145 L:155`
Alternative APNs	`WFRD M:145 L:155` `0014400` `14400`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,745 sqft Living Area
Gross Area	5,525 sqft
Basement Area	812 sqft
Unfinished Basement	599 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	14400
Street Address	12 BALDWIN DR
City	WATERFORD
State	CT
Zip	06385-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	155
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	4
Census Block	4018
Census Tract	693400

Owner

12 Baldwin Dr is owned and occupied by two individuals who bought it in December 2022.

Source: Waterford Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 BALDWIN DR, WATERFORD, CT 06385-2708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Jul 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN CT SAVINGS BANK
Dec 16, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COREPLUS FCU
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit LIBERTY FEDERAL BANK
Nov 20, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Prior Sale	Nov 20, 2020 · Amount on File
Deed Document Number	2022168710
Deed Book / Page	1804 / 341
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	12 BALDWIN DR, WATERFORD, CT 06385-2708
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001827-213
Date	Jul 14, 2023
Book Page	1827/213
Instrument	171403

Lender

Name	EASTERN CT SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2048

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Dec 16, 2022
Property Address	12 BALDWIN DR, WATERFORD, CT 06385-2708
Document Number	001804-341
Book / Page	1804 / 341
Instrument Date	Dec 16, 2022
Instrument	168710
Transaction Type	Transfer
Record Updated	Jul 28, 2023

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

Mortgage

Document Number	0000168711
Date	Dec 16, 2022
Instrument	168711

Lender

Name	COREPLUS FCU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jan 1, 2028
Max Rate At Change	2%
Index	5-Year CMT
Margin	2

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	12 BALDWIN DR, WATERFORD, CT 06385-2708
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1546-264
Date	Mar 16, 2018
Book Page	1546/264

Lender

Name	LIBERTY FEDERAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Nov 20, 2020
Property Address	12 BALDWIN DR, WATERFORD, CT 06385-2708
Document Number	1680-141
Book / Page	1680 / 141
Instrument Date	Nov 18, 2020
Instrument	157412
Transaction Type	Transfer
Record Updated	May 21, 2021

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

Mortgage

Document Number	157413
Date	Nov 20, 2020
Instrument	157413

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12 Baldwin Dr was $10,146, up 7.7% from the year before.

Source: Waterford Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Waterford Town
Unified School District	Waterford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,146.00 (+7.67%)	$413,440 (+2.49%) Land $98,800 Building $314,640	$625,489 (+121.52%)
2025	$9,423.00	$403,380 Land $98,800 Building $304,580	$282,366 Land $69,160 Building $213,206
2024	$9,423.00 (+10.18%)
2023	$8,552.00	$403,380 Land $98,800 Building $304,580

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

Flood

FEMA maps place 12 Baldwin Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 12 Baldwin Dr 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 98% of the US · lower than 97.2% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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