20 Elder St, Milford, CT 06460 Property Records

Milford City property record for 20 Elder St, Milford, CT 06460

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 909 sqft · built 1983
Owner	2 Individual Names on Record
Last Sale	$290,000 (Mar 2022)
Tax Bill	$4,800 (2025)
Deeds & Mortgages	Dec 2024 Refinance Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MILF M:35 B:424 L:1-20`

Property Details

APN / Parcel Number

Primary APN	`MILF M:35 B:424 L:1-20`
Alternative APNs	`M:00035 B:00424 L:001-20` `MLFD M:35 B:424 L:1-20` `9915`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	909 sqft Living Area
Gross Area	1,301 sqft
1st Floor Area	909 sqft
Basement Area	392 sqft
Unfinished Basement	392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9915
Street Address	20 ELDER ST
City	MILFORD
State	CT
Zip	06460-6469
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF1
Legal Subdivision	FT TRUMBULL E
Legal Block	424
Legal Lot Number	1-20
Jurisdiction	MILFORD CT
Township / Civil Division	MILFORD
Census Block Group	2
Census Block	2026
Census Tract	150100

Owner

Source: Milford City records, as of September 25, 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	20 ELDER ST, MILFORD, CT 06460-6469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MILFORD BANK
Mar 10, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MILFORD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Prior Sale	Aug 3, 2015 · Amount on Record
Deed Document Number	20221822
Deed Book / Page	4006 / 93
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	20 ELDER ST, MILFORD, CT 06460-6469
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004120-76
Date	Dec 13, 2024
Book Page	4120/76
Instrument	7122

Lender

Name	MILFORD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD CT
Recording Date	Mar 10, 2022
Property Address	20 ELDER ST, MILFORD, CT 06460-6469
Document Number	0004006-93
Book / Page	4006 / 93
Instrument Date	Mar 8, 2022
Instrument	1822
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	20 ELDER ST, MILFORD, CT 06460-6469

Mortgage

Document Number	6751710015
Date	Mar 10, 2022
Instrument	6751710015

Lender

Name	MILFORD BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Milford City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Consolidated City	Milford City
Unified School District	Milford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,800.00	$162,450 (-) Building $162,450	$232,071 Building $232,071
2024	$4,800.00 (+8.74%)
2023	$4,414.00	$162,450 Building $162,450

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Not rated no burnable land within 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	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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elder St

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