15 Cold Spring Dr, Oxford, CT 06478 Property Records

Oxford Town property record for 15 Cold Spring Dr, Oxford, CT 06478

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,364 sqft · built 1968
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on Record
Last Sale	$247,000 (May 2017)
Tax Bill	$4,487 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:35 B:7 L:B-1`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:35 B:7 L:B-1`
Alternative APNs	`OXFD M:35 B:7 L:B-1` `K0185900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,364 sqft Living Area
Gross Area	3,016 sqft
Basement Area	1,364 sqft
Unfinished Basement	1,364 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	K0185900
Street Address	15 COLD SPRING DR
City	OXFORD
State	CT
Zip	06478-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	7
Legal Lot Number	B-1
Jurisdiction	OXFORD CT
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1032
Census Tract	346101

Owner

Source: Oxford Town 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 COLD SPRING DR, OXFORD, CT 06478-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Balloon Mortgage BANK OF ENGLAND
Mar 22, 2021	Deed of Trust, Mortgage · Balloon Mortgage BANK OF ENGLAND
Dec 28, 2017	Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND MORTGAGE
May 1, 2017	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Deed Document Number	2017913130002
Deed Book / Page	415 / 1105
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	15 COLD SPRING DR, OXFORD, CT 06478-1903
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000448-261
Date	Mar 22, 2021
Book Page	448/261
Instrument	1198110010

Lender

Name	BANK OF ENGLAND

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	15 COLD SPRING DR, OXFORD, CT 06478-1903
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	448-261
Date	Mar 22, 2021
Book Page	448/261
Instrument	1198110010

Lender

Name	BANK OF ENGLAND

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	15 COLD SPRING DR, OXFORD, CT 06478-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	420-989
Date	Dec 28, 2017
Book Page	420/989
Instrument	1121390010

Lender

Name	BANK OF ENGLAND MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OXFORD CT
Recording Date	May 1, 2017
Property Address	15 COLD SPRING DR, OXFORD, CT 06478-1903
Document Number	415-1105
Book / Page	415 / 1105
Instrument	913130002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.71
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	4151107
Date	May 1, 2017
Instrument	00415/1107

Lender

Name	BANK OF ENGLAND MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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	$4,487.00 (+2.7%)	$218,330 (-) Land $70,350 Building $147,980	$425,487 (+178.4%)
2025	$4,369.00	$218,330 (+35.02%) Land $70,350 Building $147,980	$152,831 Land $49,245 Building $103,586
2024	$4,369.00 (+10.24%)
2023	$3,963.00	$161,700 Land $73,800 Building $87,900

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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	AQUARION-VALLEY private · serves 13,080 people · EPA ID CT1240011
Water Source	Purchased surface water from REGIONAL WATER AUTHORITY
Last State Inspection	Jun 2023
Lead	1 ppb (2025) 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 75 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: GoNetspeed, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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