24 Spithead Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 24 Spithead Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,376 sqft · built 1950
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$178,000 (Apr 2011)
Tax Bill	$4,974 (2026)
Deeds & Mortgages	Mar 2021 Reverse Mortgage Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`WATE M:144 L:7793`

Property Details

APN / Parcel Number

Primary APN	`WATE M:144 L:7793`
Alternative APNs	`WFRD M:144 L:7793` `0728000` `728000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	2,872 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	728000
Street Address	24 SPITHEAD RD
City	WATERFORD
State	CT
Zip	06385-1917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	7793
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3014
Census Tract	693300

Owner

24 Spithead Rd is owned and occupied by two individuals who bought it in April 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	24 SPITHEAD RD, WATERFORD, CT 06385-1917
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Sep 22, 2020	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2011 · Amount on File
Deed Sale	Apr 21, 2011 · Amount on File
Prior Sale	Apr 28, 2005 · Amount on File
Deed Document Number	20119
Deed Book / Page	1185 / 114
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	24 SPITHEAD RD, WATERFORD, CT 06385-1917
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001704-151
Date	Mar 30, 2021
Book Page	1704/151
Instrument	159562

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	901 Months
Due	Apr 1, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.45%
Type Change Date	Jan 5, 2021
Index	Other

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Sep 22, 2020
Property Address	24 SPITHEAD RD, WATERFORD, CT 06385-1917
Document Number	1667-112
Book / Page	001667 / 000112
Instrument Date	Sep 17, 2020
Instrument	156480
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SPITHEAD RD WATERFORD CT 063851917, WATERFORD, CT 06385-1917

Tax Assessment & Valuation

The 2026 property tax bill for 24 Spithead Rd was $4,974, up 8.2% from the year before.

Source: Waterford Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Waterford Town
Unified School District	Waterford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,974.00 (+8.2%)	$202,680 (+3%) Land $95,730 Building $106,950	$360,186 (+161.5%)
2025	$4,597.00	$196,770 Land $95,730 Building $101,040	$137,739 Land $67,011 Building $70,728
2024	$4,597.00 (+10.19%)
2023	$4,172.00	$196,770 Land $95,730 Building $101,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 24 Spithead 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

Wildfire risk around 24 Spithead Rd is low, with 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 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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