20 Luke St, Prospect, CT 06712 Property Records

Prospect Town property record for 20 Luke St, Prospect, CT 06712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,443 sqft · built 1995
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Oct 2022)
Tax Bill	$9,485 (2024)
Deeds & Mortgages	Apr 2022 Refinance Oct 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`R0253520`

Property Details

APN / Parcel Number

Primary APN	`R0253520`
Alternative APN	`PROS M:114 B:83 L:20`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,443 sqft Living Area
Gross Area	3,617 sqft
Basement Area	1,174 sqft
Unfinished Basement	1,174 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2008
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,628 sqft (1.3 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R0253520
Street Address	20 LUKE ST
City	PROSPECT
State	CT
Zip	06712-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Block	83
Legal Lot Number	20
Jurisdiction	PROSPECT CT
Township / Civil Division	PROSPECT
Census Block Group	2
Census Block	2007
Census Tract	347100

Owner

Source: Prospect Town 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 LUKE ST, PROSPECT, CT 06712-1427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Oct 3, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage LIBERTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	Jul 19, 1995 · Amount on Record
Deed Document Number	20221140
Deed Book / Page	917 / 382
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROSPECT CT
Property Address	20 LUKE ST, PROSPECT, CT 06712-1427
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000912-156
Date	Apr 4, 2022
Book Page	912/156
Instrument	416

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Oct 3, 2022
Property Address	20 LUKE ST, PROSPECT, CT 06712-1427
Document Number	000917-382
Book / Page	917 / 382
Instrument Date	Sep 29, 2022
Instrument	20221140
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

Mortgage

Document Number	0020221141
Date	Oct 3, 2022
Instrument	2022-1141

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Prospect Town
Unified School District	Regional School District 16 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$370,930 (+39.66%) Land $106,470 Building $264,460	$529,900 Land $152,100 Building $377,800
2024	$9,485.00 (+11.88%)
2023	$8,478.00 (-0.09%)	$265,600 (-) Land $106,490 Building $159,110
2022	$8,486.00	$265,600 Land $106,490 Building $159,110

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	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 90 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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