25 Prospect St, Derby, CT 06418 Property Records

Derby City property record for 25 Prospect St, Derby, CT 06418

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,323 sqft · built 1854
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$148,900 (Jun 2017)
Tax Bill	$9,176 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:7 B:6 L:97`

Property Details

APN / Parcel Number

Primary APN	`DERB M:7 B:6 L:97`
Alternative APNs	`002106` `7944` `2106`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,323 sqft Living Area
1st Floor Area	2,323 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1854
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Stone
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	2106
Street Address	25 PROSPECT ST
City	DERBY
State	CT
Zip	06418-2074
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-5
Legal Block	6
Legal Lot Number	97
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	3
Census Block	3001
Census Tract	120100

Owner

Source: Derby City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	25 PROSPECT ST, DERBY, CT 06418-2074
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance OCEANSIDE MORTGAGE CO
Jun 22, 2017	Warranty Deed, Transfer NORWICH COM'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2017 · Amount on Record
Deed Sale	Jun 22, 2017 · Amount on Record
Prior Sale	Jun 3, 2010 · Amount on Record
Deed Book / Page	758 / 173
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	25 PROSPECT ST, DERBY, CT 06418-2074
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000876-235
Date	Feb 18, 2022
Book Page	876/235
Instrument	349

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	25 PROSPECT ST, DERBY, CT 06418-2074
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	821-222
Date	Jul 2, 2020
Book Page	821/222

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Jun 22, 2017
Property Address	25 PROSPECT ST, DERBY, CT 06418-2074
Document Number	758-173
Book / Page	000758 / 000173
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 PROSPECT ST DERBY CT 064182074, DERBY, CT 06418-2074

Mortgage

Document Number	758-175
Date	Jun 22, 2017
Book Page	000758/000175

Lender

Name	NORWICH COM'L

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2047

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
2026	$9,176.00 (+34.39%)	$238,700 (+51.02%) Land $23,450 Building $215,250	$380,189 (+243.62%)
2025	$6,828.00	$158,060 (-) Land $21,460 Building $136,600	$110,642 Land $15,022 Building $95,620
2024	$6,828.00 (+11.92%)
2023	$6,101.00	$158,060 (-) Land $21,490 Building $136,570
2022	$6,101.00	$158,060 Land $21,490 Building $136,570

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	Low lower than 98% of the US · lower than 97.2% 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.

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 194 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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