120 Spithead Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 120 Spithead Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,333 sqft · built 1959
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$219,500 (Sep 2019)
Tax Bill	$4,972 (2026)
Deeds & Mortgages	Oct 2024 Refinance Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:123 L:7847`

Property Details

APN / Parcel Number

Primary APN	`WATE M:123 L:7847`
Alternative APNs	`WFRD M:123 L:7847` `0732400` `732400`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,333 sqft Living Area
Gross Area	3,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	25,265 sqft (0.58 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	732400
Street Address	120 SPITHEAD RD
City	WATERFORD
State	CT
Zip	06385-1900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	7847
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2023
Census Tract	693300

Owner

120 Spithead Rd is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	120 SPITHEAD RD, WATERFORD, CT 06385-1900
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 29, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY BANK
Nov 3, 2020	Deed of Trust, Mortgage · Balloon Mortgage LIBERTY BANK
Dec 30, 2020	Deed of Trust, Mortgage · Conventional with PMI TOTAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2019 · Amount on File
Deed Sale	Sep 11, 2019 · Amount on File
Deed Book / Page	1613 / 88
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	120 SPITHEAD RD, WATERFORD, CT 06385-1900
Transaction Type	Mortgage
Record Updated	Nov 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001872-901
Date	Oct 29, 2024
Book Page	1872/901
Instrument	176109

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	120 SPITHEAD RD, WATERFORD, CT 06385-1900
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1675-305
Date	Nov 3, 2020
Book Page	1675/305
Instrument	157094

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	120 SPITHEAD RD, WATERFORD, CT 06385-1900
Document Number	1687-219
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 1/2 SPITHEAD RD WATERFORD CT 063851979, WATERFORD, CT 06385-1979

Mortgage

Document Number	1687-219
Date	Dec 31, 2020
Book Page	001687/000219
Instrument	157972

Lender

Name	TOTAL MTG SVCS
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 120 Spithead Rd was $4,972, up 7.8% 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	$4,972.00 (+7.78%)	$202,620 (+2.61%) Land $86,280 Building $116,340	$392,601 (+184.04%)
2025	$4,613.00	$197,460 Land $86,280 Building $111,180	$138,222 Land $60,396 Building $77,826
2024	$4,613.00 (+10.7%)
2023	$4,167.00	$196,550 Land $86,280 Building $110,270

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

Flood

FEMA maps place 120 Spithead Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 120 Spithead Rd 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 97% of the US · lower than 95% 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 130 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 / 2,000
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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