128 Spithead Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 128 Spithead Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1950
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$103,000 (Aug 1994)
Tax Bill	$4,946 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WATE M:123 L:7853`

Property Details

APN / Parcel Number

Primary APN	`WATE M:123 L:7853`
Alternative APNs	`WFRD M:123 L:7853` `0733000` `733000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	3,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,038 sqft (0.46 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	733000
Street Address	128 SPITHEAD RD
City	WATERFORD
State	CT
Zip	06385-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	7853
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2017
Census Tract	693300

Owner

128 Spithead Rd is owned and occupied by two individuals who bought it in August 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	128 SPITHEAD RD, WATERFORD, CT 06385-1923
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 19, 2018	Deed of Trust, Mortgage COREPLUS FCU
Dec 22, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 1994 · Amount on File
Deed Sale	Aug 11, 1994 · Amount on File
Prior Sale	Oct 31, 1989 · Amount on File
Deed Book / Page	435 / 388
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	128 SPITHEAD RD, WATERFORD, CT 06385-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1574-276
Date	Oct 19, 2018
Book Page	1574/276

Lender

Name	COREPLUS FCU

Agreement

Amount	Amount on Record
Term	144 Months
Due	Oct 1, 2030

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	128 SPITHEAD RD, WATERFORD, CT 06385-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1686-138
Date	Dec 22, 2020
Book Page	1686/138
Instrument	157873

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 128 Spithead Rd was $4,946, up 8.6% 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	$4,946.00 (+8.61%)	$201,530 (+3.36%) Land $81,100 Building $120,430	$427,341 (+213.12%)
2025	$4,554.00	$194,970 Land $81,100 Building $113,870	$136,479 Land $56,770 Building $79,709
2024	$4,554.00 (+10.19%)
2023	$4,133.00	$194,970 Land $81,100 Building $113,870

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

Flood

FEMA maps place 128 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 128 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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