Derby City property record for 14 Laurel Ave, Derby, CT 06418
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,023 sqft · built 1974 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Nov 2020) |
| Tax Bill | $8,398 (2026) |
| Deeds & Mortgages | Mar 2022 Construction Loan Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DERB M:6 B:6 L:87A |
| Primary APN | DERB M:6 B:6 L:87A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,023 sqft Living Area |
| 1st Floor Area | 1,023 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 59 |
|---|---|
| Street Address | 14 LAUREL AVE |
| City | DERBY |
| State | CT |
| Zip | 06418-2121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Block | 6 |
| Legal Lot Number | 87A |
| Jurisdiction | DERBY CT |
| Township / Civil Division | DERBY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 120100 |
Source: Derby City 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14 LAUREL AVE, DERBY, CT 06418-2121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2022 | Deed of Trust, Mortgage · Construction Mortgage DOREEN WATMOUGH |
| Nov 19, 2020 | Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2020 · Amount on Record |
| Deed Sale | Nov 19, 2020 · Amount on Record |
| Prior Sale | Apr 27, 2007 · Amount on Record |
| Deed Document Number | 20201586 |
| Deed Book / Page | 832 / 18 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILFORD CT |
| Property Address | 14 LAUREL AVE, DERBY, CT 06418-2121 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004004-662 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 4004/662 |
| Instrument | 6748820016 |
| Name | DOREEN WATMOUGH |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Apr 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DERBY CT |
| Recording Date | Nov 19, 2020 |
| Property Address | 14 LAUREL AVE, DERBY, CT 06418-2121 |
| Document Number | 832-18 |
| Book / Page | 832 / 18 |
| Instrument Date | Nov 16, 2020 |
| Instrument | 1586 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 1587 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 1587 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Derby City assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision / Municipality | Derby City |
| Unified School District | Derby School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,398.00 (+42.12%) | $218,470 (+59.72%) Land $43,960 Building $174,510 | $399,958 (+317.73%) |
| 2025 | $5,909.00 | $136,780 (-) Land $38,180 Building $98,600 | $95,746 Land $26,726 Building $69,020 |
| 2024 | $5,909.00 (+11.91%) | ||
| 2023 | $5,280.00 | $136,780 (-) Land $38,220 Building $98,560 | |
| 2022 | $5,280.00 | $136,780 Land $38,220 Building $98,560 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUARION-EAST DERBY private · serves 1,101 people · EPA ID CT0378011 |
|---|---|
| Water Source | Purchased surface water from REGIONAL WATER AUTHORITY |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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