12 Pine St, Waterford, CT 06385 Property Records

Waterford Town property record for 12 Pine St, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 878 sqft · built 1940
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Dec 2025)
Tax Bill	$2,660 (2026)
Deeds & Mortgages	Feb 2022 Refinance Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:134 L:6259`

Property Details

APN / Parcel Number

Primary APN	`WATE M:134 L:6259`
Alternative APNs	`WFRD M:134 L:6259` `0580400` `580400`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	878 sqft Living Area
Gross Area	2,004 sqft
Basement Area	428 sqft
Unfinished Basement	428 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	580400
Street Address	12 PINE ST
City	WATERFORD
State	CT
Zip	06385-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR-10
Legal Lot Number	6259
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2001
Census Tract	693400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12 PINE ST, WATERFORD, CT 06385-2410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Dec 18, 2025	Deed, Transfer · Conventional Mortgage OCMBC INC
Aug 14, 2025	Warranty Deed, Transfer
Apr 8, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	2025180287
Deed Book / Page	1886 / 266
Prior Transfer Date	Aug 6, 2025
Prior Transfer Doc	001881-838
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	12 PINE ST, WATERFORD, CT 06385-2410
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001764-275
Date	Feb 9, 2022
Book Page	1764/275
Instrument	164501

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2047

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WATERFORD CT
Recording Date	Dec 18, 2025
Property Address	12 PINE ST, WATERFORD, CT 06385-2410
Document Number	001886-266
Book / Page	1886 / 266
Instrument Date	Dec 16, 2025
Instrument	180287
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
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
Address	12 PINE ST, WATERFORD, CT 06385-2410

Mortgage

Document Number	0000180288
Date	Dec 18, 2025
Instrument	180288

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Aug 14, 2025
Property Address	12 PINE ST, WATERFORD, CT 06385-2410
Document Number	001881-838
Book / Page	1881 / 838
Instrument Date	Aug 6, 2025
Instrument	179011
Transaction Type	Transfer
Record Updated	Sep 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 PINE ST, WATERFORD, CT 06385-2410

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	12 PINE ST, WATERFORD, CT 06385-2410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1593-272
Date	Apr 8, 2019
Book Page	1593/272

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2044

Tax Assessment & Valuation

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	$2,660.00 (+5.06%)	$108,390 (-) Land $48,060 Building $60,330	$265,201 (+249.53%)
2025	$2,532.00	$108,390 (-) Land $48,060 Building $60,330	$75,873 Land $33,642 Building $42,231
2024	$2,532.00 (+10.18%)
2023	$2,298.00	$108,390 Land $48,060 Building $60,330

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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