16 Memory Ln, Waterford, CT 06385 Property Records

Waterford Town property record for 16 Memory Ln, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,797 sqft · built 2000
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Apr 2017)
Tax Bill	$9,592 (2026)
Deeds & Mortgages	Jan 2022 Refinance Apr 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:130 L:7884`

Property Details

APN / Parcel Number

Primary APN	`WATE M:130 L:7884`
Alternative APNs	`WFRD M:130 L:7884` `0735312` `735312`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,797 sqft Living Area
Gross Area	5,883 sqft
Basement Area	1,107 sqft
Unfinished Basement	1,107 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	40,075 sqft (0.92 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	735312
Street Address	16 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	7884
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2017
Census Tract	693300

Owner

16 Memory Ln is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 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

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Apr 28, 2017	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG
Apr 28, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2017 · Amount on File
Deed Sale	Apr 28, 2017 · Amount on File
Prior Sale	Apr 28, 2017 · Amount on File
Deed Book / Page	1506 / 312
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	16 MEMORY LN, WATERFORD, CT 06385-1966
Transaction Type	Mortgage
Record Updated	Jul 28, 2023
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001758-239
Date	Jan 3, 2022
Book Page	1758/239
Instrument	163949

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Apr 28, 2017
Property Address	16 MEMORY LN, WATERFORD, CT 06385-1966
Document Number	1506-312
Book / Page	001506 / 000312
Instrument Date	Apr 12, 2017
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1506-314
Date	Apr 28, 2017
Book Page	001506/000314

Lender

Name	PRIME LNDG

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Apr 28, 2017
Property Address	16 MEMORY LN, WATERFORD, CT 06385-1966
Document Number	1506-310
Book / Page	001506 / 000310
Instrument Date	Feb 17, 2017
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount on Record
Tax	$430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 16 Memory Ln was $9,592, up 5.5% 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	$9,592.00 (+5.51%)	$390,870 (+0.43%) Land $95,730 Building $295,140	$808,052 (+196.61%)
2025	$9,091.00	$389,180 Land $95,730 Building $293,450	$272,426 Land $67,011 Building $205,415
2024	$9,091.00 (+10.18%)
2023	$8,251.00	$389,180 Land $95,730 Building $293,450

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

Flood

FEMA maps place 16 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 16 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

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