190 Ray Rd, New Haven, CT 06515 Property Records

New Haven City property record for 190 Ray Rd, New Haven, CT 06515

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,505 sqft · built 1942
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Aug 2017)
Tax Bill	$7,749 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`415 1251 00100`

Property Details

APN / Parcel Number

Primary APN	`415 1251 00100`
Alternative APN	`NHVN M:415 B:1251 L:00100`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,505 sqft Living Area
Gross Area	3,041 sqft
1st Floor Area	732 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	415 1251 00100
Street Address	190 RAY RD
City	NEW HAVEN
State	CT
Zip	06515-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Block	1251
Legal Lot Number	100
Jurisdiction	NEW HAVEN CT
Township / Civil Division	NEW HAVEN
Census Block Group	1
Census Block	1004
Census Tract	141100

Owner

Source: New Haven 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	2 Individual Names on Record
Mailing Address	190 RAY RD, NEW HAVEN, CT 06515-2324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAP LENDING INC
Dec 19, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage YALE NEW HAVEN HOSP
Aug 8, 2017	Warranty Deed, Transfer · FHA Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2017 · Amount on Record
Deed Sale	Aug 8, 2017 · Amount on Record
Prior Sale	Jun 7, 2012 · Amount on Record
Deed Book / Page	9607 / 28
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HAVEN CT
Property Address	190 RAY RD, NEW HAVEN, CT 06515-2324
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010968-252
Date	Feb 6, 2026
Book Page	10968/252
Instrument	2026-00885

Lender

Name	WEST CAP LENDING INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HAVEN CT
Property Address	190 RAY RD, NEW HAVEN, CT 06515-2324
Transaction Type	Mortgage
Record Updated	Jan 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010481-149
Date	Dec 19, 2022
Book Page	10481/149
Instrument	2022-12150

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HAVEN CT
Property Address	190 RAY RD, NEW HAVEN, CT 06515-2324
Document Number	9607-47
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 RAY RD NEW HAVEN CT 065152324, NEW HAVEN, CT 06515-2324

Mortgage

Document Number	9607-47
Date	Aug 8, 2017
Book Page	009607/000047
Instrument	7020

Lender

Name	YALE NEW HAVEN HOSP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HAVEN CT
Recording Date	Aug 8, 2017
Property Address	190 RAY RD, NEW HAVEN, CT 06515-2324
Document Number	9607-28
Book / Page	009607 / 000028
Instrument Date	Aug 3, 2017
Instrument	7018
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 RAY RD NEW HAVEN CT 065152324, NEW HAVEN, CT 06515-2324

Mortgage

Document Number	9607-31
Date	Aug 8, 2017
Book Page	009607/000031
Instrument	7019

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2047

Tax Assessment & Valuation

Source: New Haven City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	New Haven City
Unified School District	New Haven School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,749.00 (+1.43%)	$193,900 (-) Land $60,410 Building $133,490	$400,010 (+194.71%)
2025	$7,640.00	$193,900 (-) Land $60,410 Building $133,490	$135,730 Land $42,287 Building $93,443
2024	$7,640.00 (+5.92%)
2023	$7,213.00 (-6.42%)	$193,900 (-) Land $60,410 Building $133,490
2022	$7,708.00	$193,900 Land $60,410 Building $133,490

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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 277 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

Cell Coverage

5G (outdoors only) and 4G LTE

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