15 Bluff St, Derby, CT 06418 Property Records

Derby City property record for 15 Bluff St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1951
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$228,000 (Aug 2019)
Tax Bill	$8,882 (2026)
Deeds & Mortgages	Jul 2022 Refinance Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:8 B:11 L:25`

Property Details

APN / Parcel Number

Primary APN	`DERB M:8 B:11 L:25`
Alternative APNs	`000854` `6765` `854`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,688 sqft Living Area
1st Floor Area	1,688 sqft
Basement Area	832 sqft
Unfinished Basement	632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	854
Street Address	15 BLUFF ST
City	DERBY
State	CT
Zip	06418-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	11
Legal Lot Number	25
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2003
Census Tract	120200

Owner

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	Individual Name on Record
Mailing Address	15 BLUFF ST, DERBY, CT 06418-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Aug 10, 2021	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Aug 25, 2017	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK
Aug 22, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on Record
Deed Sale	Aug 22, 2019 · Amount on Record
Deed Book / Page	803 / 323
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	15 BLUFF ST, DERBY, CT 06418-1227
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000887-231
Date	Jul 5, 2022
Book Page	887/231
Instrument	1172

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Aug 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	15 BLUFF ST, DERBY, CT 06418-1227
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	856-183
Date	Aug 10, 2021
Book Page	856/183
Instrument	1527

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	15 BLUFF ST, DERBY, CT 06418-1227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	762-176
Date	Aug 25, 2017
Book Page	762/176

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Aug 22, 2019
Property Address	15 BLUFF ST, DERBY, CT 06418-1227
Document Number	803-323
Book / Page	803 / 323
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	803326
Date	Aug 22, 2019
Instrument	803/326

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Derby City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Derby City
Unified School District	Derby School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,882.00 (+41.82%)	$231,070 (+59.39%) Land $31,570 Building $199,500	$376,494 (+271.01%)
2025	$6,263.00	$144,970 (-) Land $31,670 Building $113,300	$101,479 Land $22,169 Building $79,310
2024	$6,263.00 (+11.92%)
2023	$5,596.00	$144,970 (-) Land $31,710 Building $113,260
2022	$5,596.00	$144,970 Land $31,710 Building $113,260

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 92% 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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
Water Source	Surface water
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 353 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

May also be available: AT&T, T-Mobile, Verizon.

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