15 Memory Ln, Waterford, CT 06385 Property Records

Waterford Town property record for 15 Memory Ln, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,105 sqft · built 2000
Lot Size	1.76 acres (76,666 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Dec 2020)
Tax Bill	$13,398 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WATE M:130 L:7883`

Property Details

APN / Parcel Number

Primary APN	`WATE M:130 L:7883`
Alternative APNs	`WFRD M:130 L:7883` `0735311` `735311`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,105 sqft Living Area
Gross Area	5,733 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	76,666 sqft (1.76 acres)
Pool Type	Pool with Hot Tub/Spa
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	735311
Street Address	15 MEMORY LN
City	WATERFORD
State	CT
Zip	06385-1966
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	7883
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2017
Census Tract	693300

Owner

15 Memory Ln is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 MEMORY LN, WATERFORD, CT 06385-1966
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Deed Document Number	2020157973
Deed Book / Page	1687 / 229
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Dec 31, 2020
Property Address	15 MEMORY LN, WATERFORD, CT 06385-1966
Document Number	1687-229
Book / Page	1687 / 229
Instrument Date	Dec 22, 2020
Instrument	157973
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants

Mortgage

Document Number	1687-232
Date	Dec 31, 2020
Book Page	1687/232
Instrument	157974

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 15 Memory Ln was $13,398, up 8.2% 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	$13,398.00 (+8.25%)	$545,970 (+3.05%) Land $101,140 Building $444,830	$844,805 (+127.78%)
2025	$12,377.00	$529,830 Land $101,140 Building $428,690	$370,881 Land $70,798 Building $300,083
2024	$12,377.00 (+10.19%)
2023	$11,232.00	$529,830 Land $101,140 Building $428,690

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

Flood

FEMA maps place 15 Memory Ln 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 15 Memory Ln 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 94% of the US · lower than 90% 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	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 35 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 Memory Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures