20 Spruce Dr, Prospect, CT 06712 Property Records

Prospect Town property record for 20 Spruce Dr, Prospect, CT 06712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,312 sqft · built 1965
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on Record
Last Sale	$328,000 (Apr 2018)
Tax Bill	$8,412 (2026)
Deeds & Mortgages	May 2022 Transfer Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C0040500`

Property Details

APN / Parcel Number

Primary APN	`C0040500`
Alternative APN	`PROS M:115 B:143 L:20`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
Gross Area	2,752 sqft
Basement Area	1,312 sqft
Unfinished Basement	712 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2004
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	C0040500
Street Address	20 SPRUCE DR
City	PROSPECT
State	CT
Zip	06712-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Block	143
Legal Lot Number	20
Jurisdiction	PROSPECT CT
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1008
Census Tract	347100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 SPRUCE DR, PROSPECT, CT 06712-1721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 11, 2018	Warranty Deed, Transfer · FHA Mortgage INTERCONTINENTAL GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2018 · Amount on Record
Deed Sale	Apr 11, 2018 · Amount on Record
Prior Sale	Jun 15, 2015 · Amount on Record
Deed Book / Page	819 / 156
Last Transfer Date	Nov 1, 2021
Transfer Doc	000914-358
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PROSPECT CT
Recording Date	May 26, 2022
Property Address	20 SPRUCE DR, PROSPECT, CT 06712-1721
Document Number	000914-358
Book / Page	914 / 358
Instrument Date	Nov 1, 2021
Instrument	2022619
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPRUCE DR, PROSPECT, CT 06712-1721

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Apr 11, 2018
Property Address	20 SPRUCE DR, PROSPECT, CT 06712-1721
Document Number	819-156
Book / Page	819 / 156
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$56.18
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	8190156
Date	Apr 11, 2018
Instrument	00819/0156

Lender

Name	INTERCONTINENTAL GRP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

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
2026	$8,412.00 (+11.34%)	$295,470 (-) Land $87,080 Building $208,390	$458,805 (+121.83%)
2025	$7,555.00	$295,470 (+32.71%) Land $87,080 Building $208,390	$206,829 Land $60,956 Building $145,873
2024	$7,555.00 (+6.3%)
2023	$7,107.00 (-0.1%)	$222,650 (-) Land $87,090 Building $135,560
2022	$7,114.00	$222,650 Land $87,090 Building $135,560

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
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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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