12 Stephen Ct, Prospect, CT 06712 Property Records

Prospect Town property record for 12 Stephen Ct, Prospect, CT 06712 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,022 sqft · built 1994
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jun 2025)
Tax Bill	$7,373 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D0084400`

Property Details

APN / Parcel Number

Primary APN	`D0084400`
Alternative APN	`PROS M:116 B:144 L:12`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,022 sqft Living Area
Gross Area	3,010 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2007
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	D0084400
Street Address	12 STEPHEN CT
City	PROSPECT
State	CT
Zip	06712-1846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	144
Legal Lot Number	12
Jurisdiction	PROSPECT CT
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1008
Census Tract	347100

Owner

Source: Prospect Town records · APN D0084400

Assessment roll updated June 25, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	12 STEPHEN CT, PROSPECT, CT 06712-1846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage V I P MORTGAGE INC
Oct 23, 2018	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2025 · Amount on Record
Deed Sale	Jun 24, 2025 · Amount on Record
Prior Sale	Sep 05, 1996 · Amount on Record
Deed Document Number	20252025622
Deed Book / Page	934 / 191
Record Updated	Sep 20, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Jun 24, 2025
Property Address	12 STEPHEN CT, PROSPECT, CT 06712-1846
Document Number	000934-191
Book / Page	934 / 191
Instrument Date	Jun 20, 2025
Instrument	2025622
Transaction Type	Transfer
Record Updated	Jul 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	945 MARION AVE, PLANTSVILLE, CT 06479-1202

Mortgage

Document Number	0002025623
Date	Jun 24, 2025
Instrument	2025-623

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROSPECT CT
Property Address	12 STEPHEN CT, PROSPECT, CT 06712-1846
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	830-1
Date	Oct 23, 2018
Book Page	830/1

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2048

Interest

Rate	4.49%

Tax Assessment & Valuation

Source: Prospect Town records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,373.00	$288,330 (+37.45%) Land $102,970 Building $185,360	$201,831 Land $72,079 Building $129,752
2024	$7,373.00 (+10.11%)
2023	$6,696.00 (-0.09%)	$209,770 (-) Land $103,000 Building $106,770
2022	$6,702.00	$209,770 Land $103,000 Building $106,770

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09009C, updated January 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of Connecticut
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 73 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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