16 Pine St, Waterford, CT 06385 Property Records

Waterford Town property record for 16 Pine St, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,112 sqft · built 1938
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$261,000 (Oct 2023)
Tax Bill	$3,033 (2026)
Deeds & Mortgages	Dec 2024 Refinance May 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:134 L:6262`

Property Details

APN / Parcel Number

Primary APN	`WATE M:134 L:6262`
Alternative APNs	`WFRD M:134 L:6262` `0580700` `580700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,112 sqft Living Area
Gross Area	2,283 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,454 sqft (0.24 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	580700
Street Address	16 PINE ST
City	WATERFORD
State	CT
Zip	06385-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR-10
Legal Lot Number	6262
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2001
Census Tract	693400

Owner

16 Pine St is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	16 PINE ST, WATERFORD, CT 06385-2410
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
Dec 19, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
May 9, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Oct 13, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on File
Deed Sale	Oct 13, 2023 · Amount on File
Prior Sale	Aug 3, 2015 · Amount on File
Deed Document Number	2023172335
Deed Book / Page	1837 / 42
Transfer Doc	1381-239
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	16 PINE ST, WATERFORD, CT 06385-2410
Transaction Type	Mortgage
Record Updated	Jan 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001874-442
Date	Dec 19, 2024
Book Page	1874/442
Instrument	176566

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2049

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	16 PINE ST, WATERFORD, CT 06385-2410
Transaction Type	Mortgage
Record Updated	May 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001857-329
Date	May 9, 2024
Book Page	1857/329
Instrument	174554

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2049

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Oct 13, 2023
Property Address	16 PINE ST, WATERFORD, CT 06385-2410
Document Number	0001837-42
Book / Page	1837 / 42
Instrument Date	Oct 12, 2023
Instrument	172335
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount 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

Tax Assessment & Valuation

The 2026 property tax bill for 16 Pine St was $3,033, up 4.9% 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	$3,033.00 (+4.91%)	$123,580 (-0.14%) Land $53,860 Building $69,720	$284,155 (+228.03%)
2025	$2,891.00	$123,750 Land $53,860 Building $69,890	$86,625 Land $37,702 Building $48,923
2024	$2,891.00 (+12.97%)
2023	$2,559.00	$120,710 Land $53,860 Building $66,850

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 16 Pine St 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 Pine St 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 96% of the US · lower than 94% 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 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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