14 Apple Dr, Oxford, CT 06478 Property Records

Oxford Town property record for 14 Apple Dr, Oxford, CT 06478

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,471 sqft · built 2004
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Apr 2019)
Tax Bill	$11,111 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`Z9104990`

Property Details

APN / Parcel Number

Primary APN	`Z9104990`
Alternative APNs	`OXFO M:20 B:58 L:16-18` `OXFD M:20 B:58 L:16-18`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,471 sqft Living Area
Gross Area	8,943 sqft
Basement Area	1,720 sqft
Unfinished Basement	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Hip
Roof Material	Shingle
Lot Area	66,647 sqft (1.53 acres)
Garage Type	Attached
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	Z9104990
Street Address	14 APPLE DR
City	OXFORD
State	CT
Zip	06478-3203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	58
Legal Lot Number	16-18
Jurisdiction	OXFORD CT
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2000
Census Tract	346102

Owner

14 Apple Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 APPLE DR, OXFORD, CT 06478-3203
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
Nov 12, 2020	Deed of Trust, Mortgage · Balloon Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on File
Deed Sale	Apr 1, 2019 · Amount on File
Prior Sale	May 6, 2004 · Amount on File
Deed Document Number	20191147980002
Deed Book / Page	428 / 973
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	14 APPLE DR, OXFORD, CT 06478-3203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	443-507
Date	Nov 12, 2020
Book Page	443/507
Instrument	1186270010

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2045

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OXFORD CT
Recording Date	Apr 1, 2019
Property Address	14 APPLE DR, OXFORD, CT 06478-3203
Document Number	428-973
Book / Page	428 / 973
Instrument Date	Mar 28, 2019
Instrument	1147980002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
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	52 LAUGHLIN RD E, STRATFORD, CT 06614-5109

Mortgage

Document Number	1147990015
Date	Apr 1, 2019
Instrument	1147990015

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 14 Apple Dr was $11,111, up 2.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Oxford Town
Unified School District	Oxford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,111.00 (+2.7%)	$540,680 (-) Land $78,190 Building $462,490	$875,945 (+131.44%)
2025	$10,819.00	$540,680 Land $78,190 Building $462,490	$378,476 Land $54,733 Building $323,743
2024	$10,819.00 (+13.22%)
2023	$9,556.00	$389,900 Land $85,100 Building $304,800

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

Flood

FEMA maps place 14 Apple Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 14 Apple Dr is low, with a 0.02% annual chance of 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	Direct burnable vegetation

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	HERITAGE WATER COMPANY private · serves 7,300 people · EPA ID CT1300021
Water Source	Purchased surface water from CTWC - NAUGATUCK REGION-CENTRAL SYSTEM
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 40 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Apple Dr

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