21 Stephen St, Derby, CT 06418 Property Records

Derby City property record for 21 Stephen St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1971
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,500 (Mar 1984)
Tax Bill	$5,625 (2024)
Deeds & Mortgages	Sep 2017 Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`DERB M:6 B:6 L:47`

Property Details

APN / Parcel Number

Primary APN	`DERB M:6 B:6 L:47`
Alternative APNs	`000311` `6187` `311`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	22,216 sqft (0.51 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	311
Street Address	21 STEPHEN ST
City	DERBY
State	CT
Zip	06418-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	6
Legal Lot Number	47
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	3
Census Block	3001
Census Tract	120100

Owner

Source: Derby City 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	21 STEPHEN ST, DERBY, CT 06418-2124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2017	Deed of Trust, Mortgage SIKORSKY FNCL CU INC
Oct 8, 2020	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 1984 · Amount on Record
Deed Sale	Mar 28, 1984 · Amount on Record
Deed Book / Page	188 / 50
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	21 STEPHEN ST, DERBY, CT 06418-2124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	763-35
Date	Sep 6, 2017
Book Page	763/35

Lender

Name	SIKORSKY FNCL CU INC
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	21 STEPHEN ST, DERBY, CT 06418-2124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	828-137
Date	Oct 8, 2020
Book Page	828/137
Instrument	1337

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Derby City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Derby City
Unified School District	Derby School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$130,200 (-) Land $42,300 Building $87,900	$186,000 Land $60,429 Building $125,571
2024	$5,625.00 (+11.92%)
2023	$5,026.00	$130,200 (-) Land $42,350 Building $87,850
2022	$5,026.00	$130,200 Land $42,350 Building $87,850

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 95% of the US · lower than 92% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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