Waterford Town property record for 23 Cross Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,479 sqft · built 1825 |
| Lot Size | 1.69 acres (73,616 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Aug 1994) |
| Tax Bill | $4,170 (2026) |
| Deeds & Mortgages | Sep 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:116 L:1668 |
| Primary APN | WATE M:116 L:1668 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,479 sqft Living Area |
| Gross Area | 2,738 sqft |
| Year Built | Built 1825 |
|---|---|
| Effective Year Built | Effective 1825 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 73,616 sqft (1.69 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Water Source | Well |
| Account Number | 142300 |
|---|---|
| Street Address | 23 CROSS RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Lot Number | 1668 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 693300 |
23 Cross Rd is owned by an individual who bought it in August 1994.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 178, WATERFORD, CT 06385-0178 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 1994 · Amount on File |
| Deed Sale | Aug 11, 1994 · Amount on File |
| Deed Book / Page | 435 / 359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 23 CROSS RD, WATERFORD, CT 06385-1623 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001871-459 |
|---|---|
| Date | Sep 19, 2024 |
| Book Page | 1871/459 |
| Instrument | 175737 |
| Name | DUTCH POINT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 23 Cross Rd was $4,170, up 8.5% 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 | $4,170.00 (+8.54%) | $169,920 (+3.32%) Land $77,410 Building $92,510 | $354,857 (+208.24%) |
| 2025 | $3,842.00 | $164,460 Land $77,410 Building $87,050 | $115,122 Land $54,187 Building $60,935 |
| 2024 | $3,842.00 (+10.18%) | ||
| 2023 | $3,487.00 | $164,460 Land $77,410 Building $87,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Cross Rd 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 risk around 23 Cross Rd 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 97% of the US · lower than 95% 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.
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 116 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 |
May also be available: T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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