Waterford Town property record for 146 Spithead Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,288 sqft · built 1945 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,148 (2026) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:123 L:7868 |
| Primary APN | WATE M:123 L:7868 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,288 sqft Living Area |
| Gross Area | 2,800 sqft |
| Basement Area | 196 sqft |
| Unfinished Basement | 196 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Cape Cod |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 734600 |
|---|---|
| Street Address | 146 SPITHEAD RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Lot Number | 7868 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 693300 |
146 Spithead Rd, a single family home, is owned by two individuals.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17 SEABREEZE DR, WATERFORD, CT 06385-3812 |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 146 SPITHEAD RD, WATERFORD, CT 06385-1922 |
| Document Number | 1496-278 |
| Book / Page | 001496 / 000278 |
| Instrument Date | Jan 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2017 |
| Name | Verified Name |
|---|
| Document Number | 1496-278 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | 001496/000278 |
| Name | DUTCH POINT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 12, 2027 |
The 2026 property tax bill for 146 Spithead Rd was $4,148, up 18.6% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,148.00 (+18.58%) | $169,050 (+12.88%) Land $68,190 Building $100,860 | $329,790 (+214.59%) |
| 2025 | $3,498.00 | $149,760 Land $68,190 Building $81,570 | $104,832 Land $47,733 Building $57,099 |
| 2024 | $3,498.00 (+10.17%) | ||
| 2023 | $3,175.00 | $149,760 Land $68,190 Building $81,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 146 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 risk around 146 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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