16R Spithead Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 16R Spithead Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,454 sqft · built 2003
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$387,000 (Mar 2019)
Tax Bill	$8,435 (2026)
Deeds & Mortgages	Apr 2023 Refinance Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WATE M:144 L:7887`

Property Details

APN / Parcel Number

Primary APN	`WATE M:144 L:7887`
Alternative APNs	`WFRD M:144 L:7887` `0735315` `735315`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,454 sqft Living Area
Gross Area	5,472 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	66,647 sqft (1.53 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	735315
Street Address	16R SPITHEAD RD
City	WATERFORD
State	CT
Zip	06385-1973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	7887
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3014
Census Tract	693300

Owner

16R Spithead Rd is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	16R SPITHEAD RD, WATERFORD, CT 06385-1973
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
Apr 10, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Mar 29, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019 · Amount on File
Deed Sale	Mar 29, 2019 · Amount on File
Prior Sale	Oct 19, 2009 · Amount on File
Deed Book / Page	1592 / 177
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	16R SPITHEAD RD, WATERFORD, CT 06385-1973
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001817-105
Date	Apr 10, 2023
Book Page	1817/105
Instrument	170233

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	May 1, 2048

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Mar 29, 2019
Property Address	16R SPITHEAD RD, WATERFORD, CT 06385-1973
Document Number	1592-177
Book / Page	1592 / 177
Instrument Date	Mar 18, 2019
Transaction Type	Transfer
Record Updated	May 21, 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
Address	585 SOUTH BLVD E, PONTIAC, MI 48341-3163

Mortgage

Document Number	1592183
Date	Mar 29, 2019
Instrument	1592/183

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16R Spithead Rd was $8,435, up 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	$8,435.00 (+5.04%)	$343,740 (-) Land $94,870 Building $248,870	$692,004 (+187.59%)
2025	$8,030.00	$343,740 Land $94,870 Building $248,870	$240,618 Land $66,409 Building $174,209
2024	$8,030.00 (+10.2%)
2023	$7,287.00	$343,740 Land $94,870 Building $248,870

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

Flood

FEMA maps place 16R Spithead Rd 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 16R Spithead Rd is low, with 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	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	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 39 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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