23 Elder St, Milford, CT 06460 Property Records

Milford City property record for 23 Elder St, Milford, CT 06460

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,294 sqft · built 1948
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$590,000 (Dec 2021)
Tax Bill	$10,567 (2025)
Deeds & Mortgages	Aug 2021 Refinance Dec 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MILF M:35 B:423 L:12`

Property Details

APN / Parcel Number

Primary APN	`MILF M:35 B:423 L:12`
Alternative APNs	`M:00035 B:00423 L:000012` `MLFD M:35 B:423 L:12` `1006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,294 sqft Living Area
Gross Area	4,881 sqft
1st Floor Area	1,727 sqft
Attic	Attic
Attic Area	1,008 sqft
Basement Area	1,204 sqft
Unfinished Basement	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1006
Street Address	23 ELDER ST
City	MILFORD
State	CT
Zip	06460-6465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7.5
Legal Subdivision	PRESIDIO CMNS
Legal Block	423
Legal Lot Number	12
Jurisdiction	MILFORD CT
Township / Civil Division	MILFORD
Census Block Group	2
Census Block	2008
Census Tract	150100

Owner

Source: Milford 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	Company Name on Record
Mailing Address	23 ELDER ST, MILFORD, CT 06460-6465
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Dec 23, 2021	Warranty Deed, Transfer
Jun 29, 2017	Deed of Trust, Mortgage MILFORD BANK
Aug 29, 2019	Warranty Deed, Transfer · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Prior Sale	Aug 29, 2019 · Amount on Record
Deed Document Number	20216726610002
Deed Book / Page	3994 / 414
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	23 ELDER ST, MILFORD, CT 06460-6465
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003965-572
Date	Aug 11, 2021
Book Page	3965/572
Instrument	6673550015

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD CT
Recording Date	Dec 23, 2021
Property Address	23 ELDER ST, MILFORD, CT 06460-6465
Document Number	003994-414
Book / Page	3994 / 414
Instrument Date	Dec 9, 2021
Instrument	6726610002
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23 ELDER ST, MILFORD, CT 06460-6465

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	23 ELDER ST, MILFORD, CT 06460-6465
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3738-347
Date	Jun 29, 2017
Book Page	3738/347
Instrument	4767800007

Lender

Name	MILFORD BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2046

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD CT
Recording Date	Aug 29, 2019
Property Address	23 ELDER ST, MILFORD, CT 06460-6465
Document Number	3836-57
Book / Page	3836 / 57
Instrument Date	Aug 23, 2019
Instrument	6416750002
Transaction Type	Transfer
Record Updated	May 21, 2021

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
Address	23 ELDER ST, MILFORD, CT 06460-6465

Mortgage

Document Number	3836-59
Date	Aug 29, 2019
Book Page	3836/59
Instrument	6416760010

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,567.00	$357,590 (-) Land $178,580 Building $179,010	$510,843 Land $255,114 Building $255,729
2024	$10,567.00 (+8.76%)
2023	$9,716.00	$357,590 Land $178,580 Building $179,010

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Not rated no burnable land within 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	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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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