12 Saunders Ln, Prospect, CT 06712 Property Records

Prospect Town property record for 12 Saunders Ln, Prospect, CT 06712

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1957
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$247,500 (Jan 2024)
Tax Bill	$4,799 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0248900`

Property Details

APN / Parcel Number

Primary APN	`R0248900`
Alternative APN	`PROS M:104 B:133 L:12`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,184 sqft
Basement Area	1,092 sqft
Unfinished Basement	612 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R0248900
Street Address	12 SAUNDERS LN
City	PROSPECT
State	CT
Zip	06712-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Block	133
Legal Lot Number	12
Jurisdiction	PROSPECT CT
Township / Civil Division	PROSPECT
Census Block Group	3
Census Block	3005
Census Tract	347100

Owner

Source: Prospect 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 SAUNDERS LN, PROSPECT, CT 06712-1325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Deed of Trust, Mortgage · Stand-Alone First Mortgage CONNECTICUT HOUSING FINANCE AUTHORITY
Jan 5, 2024	Warranty Deed, Transfer · FHA Mortgage THOMASTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2024 · Amount on Record
Deed Sale	Jan 5, 2024 · Amount on Record
Deed Document Number	202413
Deed Book / Page	925 / 795
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROSPECT CT
Property Address	12 SAUNDERS LN, PROSPECT, CT 06712-1325
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000926-20
Date	Jan 5, 2024
Book Page	926/20
Instrument	2024-16

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Jan 5, 2024
Property Address	12 SAUNDERS LN, PROSPECT, CT 06712-1325
Document Number	000925-795
Book / Page	925 / 795
Instrument Date	Jan 2, 2024
Instrument	202413
Transaction Type	Transfer
Record Updated	Oct 4, 2025

Transaction

Amount	Amount Recorded
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	48 HARPER AVE APT 1, 1, WATERBURY, CT 06705-1212

Mortgage

Document Number	0000202414
Date	Jan 5, 2024
Instrument	2024-14

Lender

Name	THOMASTON SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000926-17
Date	Jan 5, 2024
Book Page	926/17
Instrument	2024-15

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2034

Tax Assessment & Valuation

Source: Prospect Town assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Prospect Town
Unified School District	Regional School District 16 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,799.00 (+11.35%)	$168,560 (-) Land $55,580 Building $112,980	$335,412 (+184.27%)
2025	$4,310.00	$168,560 (+29.41%) Land $55,580 Building $112,980	$117,992 Land $38,906 Building $79,086
2024	$4,310.00 (+3.66%)
2023	$4,158.00 (-0.07%)	$130,250 (-) Land $66,010 Building $64,240
2022	$4,161.00	$130,250 Land $66,010 Building $64,240

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

Flood

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

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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 105 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 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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