28 Cross Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 28 Cross Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1950
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$343,000 (Jul 2025)
Tax Bill	$4,074 (2026)
Deeds & Mortgages	Jul 2025 Sale & Line of Credit Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:116 L:1671`

Property Details

APN / Parcel Number

Primary APN	`WATE M:116 L:1671`
Alternative APNs	`WFRD M:116 L:1671` `0142600` `142600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	2,667 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	20,038 sqft (0.46 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	142600
Street Address	28 CROSS RD
City	WATERFORD
State	CT
Zip	06385-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	1671
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1008
Census Tract	693300

Owner

28 Cross Rd is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 CROSS RD, WATERFORD, CT 06385-1608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

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
Jul 31, 2025	Warranty Deed, Transfer · Line of Credit FIRST WORLD MORTGAGE CORPORATION
Mar 6, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Jan 4, 2023	Warranty Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2025 · Amount on File
Deed Sale	Jul 31, 2025 · Amount on File
Prior Sale	Mar 6, 2023 · Amount on File
Deed Document Number	2025178587
Deed Book / Page	1880 / 1136
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Jul 31, 2025
Property Address	28 CROSS RD, WATERFORD, CT 06385-1608
Document Number	01880-1136
Book / Page	1880 / 1136
Instrument Date	Jul 29, 2025
Instrument	178587
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
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	28 CROSS RD, WATERFORD, CT 06385-1608

Mortgage

Document Number	0000178588
Date	Jul 31, 2025
Instrument	178588

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Mar 6, 2023
Property Address	28 CROSS RD, WATERFORD, CT 06385-1608
Document Number	0001812-25
Book / Page	1812 / 25
Instrument Date	Mar 3, 2023
Instrument	169390
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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

Mortgage

Document Number	0000169391
Date	Mar 6, 2023
Instrument	169391

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2023: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Jan 4, 2023
Property Address	28 CROSS RD, WATERFORD, CT 06385-1608
Document Number	001806-197
Book / Page	1806 / 197
Instrument Date	Dec 28, 2022
Instrument	168832
Transaction Type	Foreclosure
Record Updated	Jul 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD # STE, OKLAHOMA CITY, OK 73106-6016

Tax Assessment & Valuation

The 2026 property tax bill for 28 Cross Rd was $4,074, up 16.2% 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	$4,074.00 (+16.17%)	$166,030 (+10.59%) Land $70,520 Building $95,510	$355,679 (+238.45%)
2025	$3,507.00	$150,130 Land $70,520 Building $79,610	$105,091 Land $49,364 Building $55,727
2024	$3,507.00 (+10.18%)
2023	$3,183.00	$150,130 Land $70,520 Building $79,610

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

Flood

FEMA maps place 28 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

Wildfire risk around 28 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Rd

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