Waterford Town property record for 20 Niantic River Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 5,199 sqft · built 2003 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Trust Name on File |
| Last Sale | $800,000 (Sep 2006) |
| Tax Bill | $26,953 (2026) |
| Deeds & Mortgages | Jan 2025 Transfer Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | WATE M:149 L:8897 |
| Primary APN | WATE M:149 L:8897 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 5,199 sqft Living Area |
| Gross Area | 11,274 sqft |
| Basement Area | 350 sqft |
| Unfinished Basement | 350 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 41,818 sqft (0.96 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 834500 |
|---|---|
| Street Address | 20 NIANTIC RIVER RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-3120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WDW |
| Legal Lot Number | 8897 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 693300 |
20 Niantic River Rd is owner-occupied and held in a trust since December 2024.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 20 NIANTIC RIVER RD, WATERFORD, CT 06385-3120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 3, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Oct 11, 2018 | Deed of Trust, Mortgage DIME BANK |
| Sep 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2006 · Amount on File |
| Deed Sale | Sep 8, 2006 · Amount on File |
| Prior Sale | Jun 15, 2004 · Amount on File |
| Deed Book / Page | 898 / 345 |
| Last Transfer Date | Dec 27, 2024 |
| Transfer Doc | 001874-853 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Jan 3, 2025 |
| Property Address | 20 NIANTIC RIVER RD, WATERFORD, CT 06385-3120 |
| Document Number | 001874-853 |
| Book / Page | 1874 / 853 |
| Instrument Date | Dec 27, 2024 |
| Instrument | 176661 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 NIANTIC RIVER RD, WATERFORD, CT 06385-3120 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 20 NIANTIC RIVER RD, WATERFORD, CT 06385-3120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1573-325 |
|---|---|
| Date | Oct 11, 2018 |
| Book Page | 1573/325 |
| Name | DIME BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 372 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 20 NIANTIC RIVER RD, WATERFORD, CT 06385-3120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1615-332 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 1615/332 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2026 property tax bill for 20 Niantic River Rd was $26,953, up 6.5% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $26,953.00 (+6.5%) | $1,098,330 (+1.38%) Land $493,170 Building $605,160 | $1,030,512 (+35.88%) |
| 2025 | $25,308.00 | $1,083,400 Land $493,170 Building $590,230 | $758,380 Land $345,219 Building $413,161 |
| 2024 | $25,308.00 (+10.19%) | ||
| 2023 | $22,968.00 | $1,083,400 Land $493,170 Building $590,230 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Niantic River Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 20, 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.
The area around 20 Niantic River Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 191 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 |
| AT&T Fixed Wireless | 100 / 20 |
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