22 Rachel Ann Ct, Prospect, CT 06712 Property Records

Prospect Town property record for 22 Rachel Ann Ct, Prospect, CT 06712

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,549 sqft · built 2004
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Oct 2023)
Tax Bill	$10,455 (2026)
Deeds & Mortgages	Oct 2024 Refinance Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`K0256610`

Property Details

APN / Parcel Number

Primary APN	`K0256610`
Alternative APN	`PROS M:105 B:116 L:22`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,549 sqft Living Area
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	62,291 sqft (1.43 acres)
Garage Type	Basement
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	K0256610
Street Address	22 RACHEL ANN CT
City	PROSPECT
State	CT
Zip	06712-1570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Block	116
Legal Lot Number	22
Jurisdiction	PROSPECT CT
Township / Civil Division	PROSPECT
Census Block Group	2
Census Block	2010
Census Tract	347200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	22 RACHEL ANN CT, PROSPECT, CT 06712-1570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance PRIME LENDING INC
Oct 17, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage PRIME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Jun 24, 2005 · Amount on Record
Deed Document Number	2023997
Deed Book / Page	924 / 722
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROSPECT CT
Property Address	22 RACHEL ANN CT, PROSPECT, CT 06712-1570
Transaction Type	Mortgage
Record Updated	Nov 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000930-539
Date	Oct 29, 2024
Book Page	930/539
Instrument	2024-987

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Oct 17, 2023
Property Address	22 RACHEL ANN CT, PROSPECT, CT 06712-1570
Document Number	000924-722
Book / Page	924 / 722
Instrument Date	Oct 16, 2023
Instrument	2023-997
Transaction Type	Transfer
Record Updated	Aug 21, 2024

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
Relationship	Joint Tenants
Address	99 EASTSIDE BLVD, WATERBURY, CT 06706-2823

Mortgage

Document Number	0002023998
Date	Oct 17, 2023
Instrument	2023-998

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

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
2026	$10,455.00 (+11.34%)	$367,220 (-) Land $122,080 Building $245,140	$579,204 (+125.32%)
2025	$9,390.00	$367,220 (+39.45%) Land $122,080 Building $245,140	$257,054 Land $85,456 Building $171,598
2024	$9,390.00 (+11.71%)
2023	$8,406.00 (-0.1%)	$263,340 (-) Land $122,080 Building $141,260
2022	$8,414.00	$263,340 Land $122,080 Building $141,260

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	0.01% 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	CTWC - NAUGATUCK REGION-CENTRAL SYSTEM private · serves 22,735 people · EPA ID CT0880011
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 121 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, GoNetspeed.

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