15 Stephen St, Derby, CT 06418 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1972
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$27,000 (Dec 1999)
Tax Bill	$8,086 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`DERB M:6 B:6 L:42`

Property Details

APN / Parcel Number

Primary APN	`DERB M:6 B:6 L:42`
Alternative APNs	`000641` `6548` `641`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	560 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	16,988 sqft (0.39 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	641
Street Address	15 STEPHEN ST
City	DERBY
State	CT
Zip	06418-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	MILLBROOK BUS CNTR
Legal Block	6
Legal Lot Number	42
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	3
Census Block	3001
Census Tract	120100

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 STEPHEN ST, DERBY, CT 06418-2124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 1999 · Amount on Record
Deed Sale	Dec 17, 1999 · Amount on Record
Prior Sale	Aug 20, 1991 · Amount on Record
Deed Book / Page	285 / 296
Transfer Doc	0285000296
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	15 STEPHEN ST, DERBY, CT 06418-2124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	772-48
Date	Feb 20, 2018
Book Page	772/48

Lender

Name	SIKORSKY FNCL CU INC
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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	$8,086.00 (+46.43%)	$210,350 (+64.57%) Land $44,730 Building $165,620	$340,928 (+281.04%)
2025	$5,522.00	$127,820 (-) Land $40,220 Building $87,600	$89,474 Land $28,154 Building $61,320
2024	$5,522.00 (+11.92%)
2023	$4,934.00	$127,820 (-) Land $40,180 Building $87,640
2022	$4,934.00	$127,820 Land $40,180 Building $87,640

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	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	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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stephen St

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