20 Pine St, Waterford, CT 06385 Property Records

Waterford Town property record for 20 Pine St, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,151 sqft · built 1948
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$119,000 (Jul 2019)
Tax Bill	$2,830 (2026)
Deeds & Mortgages	May 2026 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:134 L:6266`

Property Details

APN / Parcel Number

Primary APN	`WATE M:134 L:6266`
Alternative APNs	`WFRD M:134 L:6266` `0581100` `581100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,151 sqft Living Area
Gross Area	2,353 sqft
Basement Area	238 sqft
Unfinished Basement	238 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	581100
Street Address	20 PINE ST
City	WATERFORD
State	CT
Zip	06385-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR-10
Legal Lot Number	6266
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2001
Census Tract	693400

Owner

20 Pine St is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	20 PINE ST, WATERFORD, CT 06385-2410
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

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 10, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 16, 2019	Warranty Deed, Transfer QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2019 · Amount on File
Deed Sale	Jul 16, 2019 · Amount on File
Prior Sale	Jul 30, 2010
Deed Book / Page	1605 / 232
Transfer Doc	001139-242
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Recording Date	May 21, 2026
Property Address	20 PINE ST, WATERFORD, CT 06385-2410
Document Number	001891-304
Book / Page	1891 / 304
Instrument Date	May 13, 2026
Instrument	2026181850
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PINE ST, WATERFORD, CT 06385-2410

Mortgage

Document Number	0000181850,
Date	May 21, 2026
Book Page	1891/304
Instrument	2026181850

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	20 PINE ST, WATERFORD, CT 06385-2410
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001759-337
Date	Jan 10, 2022
Book Page	1759/337
Instrument	164028

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Feb 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Jul 16, 2019
Property Address	20 PINE ST, WATERFORD, CT 06385-2410
Document Number	1605-232
Book / Page	001605 / 000232
Instrument Date	Jul 8, 2019
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE DETROIT MI 482261906, DETROIT, MI 48226-1906

Mortgage

Document Number	1605-234
Date	Jul 16, 2019
Book Page	001605/000234

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 20 Pine St was $2,830, up 5% from the year before.

Source: Waterford Town assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,830.00 (+5.05%)	$115,330 (-) Land $47,580 Building $67,750	$288,069 (+256.83%)
2025	$2,694.00	$115,330 Land $47,580 Building $67,750	$80,731 Land $33,306 Building $47,425
2024	$2,694.00 (+10.18%)
2023	$2,445.00	$115,330 Land $47,580 Building $67,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Pine St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 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 Pine St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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