20 Loray Ct, Cheshire, CT 06410 Property Records

Cheshire Town property record for 20 Loray Ct, Cheshire, CT 06410

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,760 sqft · built 1979
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Dec 2021)
Tax Bill	$8,563 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CHES M:34 B:9 L`

Property Details

APN / Parcel Number

Primary APN	`CHES M:34 B:9 L`
Alternative APNs	`CSHR M:34 B:9 L` `198400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Basement Area	980 sqft
Unfinished Basement	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,253 sqft (0.97 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	198400
Street Address	20 LORAY CT
City	CHESHIRE
State	CT
Zip	06410-3808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Block	9
Jurisdiction	CHESHIRE CT
Township / Civil Division	CHESHIRE
Census Block Group	1
Census Block	1023
Census Tract	343200

Owner

20 Loray Ct is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 LORAY CT, CHESHIRE, CT 06410-3808
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Deed Document Number	20212021005947
Deed Book / Page	3099 / 125
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESHIRE CT
Recording Date	Dec 16, 2021
Property Address	20 LORAY CT, CHESHIRE, CT 06410-3808
Document Number	003099-125
Book / Page	3099 / 125
Instrument Date	Dec 14, 2021
Instrument	2021005947
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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
Relationship	Joint Tenants

Mortgage

Document Number	2021005948
Date	Dec 16, 2021
Instrument	2021005948

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Loray Ct was $8,563, up 5.4% from the year before.

Source: Cheshire Town assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Cheshire Town
Unified School District	Cheshire School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,563.00 (+5.44%)	$273,070 (-) Land $65,450 Building $207,620	$463,623 (+142.55%)
2025	$8,121.00	$273,070 Land $65,450 Building $207,620	$191,149 Land $45,815 Building $145,334
2024	$8,121.00 (+27.95%)
2023	$6,347.00 (+2.24%)	$180,880 (-) Land $65,470 Building $115,410
2022	$6,208.00	$180,880 Land $65,470 Building $115,410

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 20 Loray Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20 Loray Ct is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Loray Ct

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