140 Spithead Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 140 Spithead Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,050 sqft · built 1954
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$126,900 (Aug 2001)
Tax Bill	$3,503 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WATE M:123 L:7863`

Property Details

APN / Parcel Number

Primary APN	`WATE M:123 L:7863`
Alternative APNs	`WFRD M:123 L:7863` `0734100` `734100`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,050 sqft Living Area
Gross Area	2,372 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Other
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	734100
Street Address	140 SPITHEAD RD
City	WATERFORD
State	CT
Zip	06385-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	7863
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2017
Census Tract	693300

Owner

140 Spithead Rd is owned and occupied by an individual who bought it in August 2001.

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

Owner of Record	Individual Name on File
Mailing Address	140 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
Dec 16, 2020	Deed of Trust, Mortgage · Balloon Mortgage QUICKEN LOANS INC
Aug 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2001 · Amount on File
Deed Sale	Aug 27, 2001 · Amount on File
Prior Sale	Nov 6, 1995 · Amount on File
Deed Book / Page	533 / 953
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	140 SPITHEAD RD, WATERFORD, CT 06385-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1685-100
Date	Dec 16, 2020
Book Page	1685/100
Instrument	157797

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	140 SPITHEAD RD, WATERFORD, CT 06385-1923
Document Number	1609-253
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE DETROIT MI 482261906, DETROIT, MI 48226-1906

Mortgage

Document Number	1609-253
Date	Aug 15, 2019
Book Page	001609/000253

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 140 Spithead Rd was $3,503, up 5% 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	$3,503.00 (+5.04%)	$142,760 (-) Land $69,430 Building $73,330	$321,631 (+221.85%)
2025	$3,335.00	$142,760 Land $69,430 Building $73,330	$99,932 Land $48,601 Building $51,331
2024	$3,335.00 (+10.18%)
2023	$3,027.00	$142,760 Land $69,430 Building $73,330

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

Flood

FEMA maps place 140 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 140 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	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	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

Nearby Properties on Spithead Rd

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