280 Millstone Rd E, Waterford, CT 06385 Property Records

Waterford Town property record for 280 Millstone Rd E, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,340 sqft · built 2023
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Aug 2012)
Tax Bill	$21,379 (2026)
Deeds & Mortgages	May 2023 Refinance Aug 2024 Refinance
Flood Zone	Zone AE (high risk)
APN	`WATE M:165 L:4656`

Property Details

APN / Parcel Number

Primary APN	`WATE M:165 L:4656`
Alternative APNs	`WFRD M:165 L:4656` `0423500` `423500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,340 sqft Living Area
Gross Area	6,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	423500
Street Address	280 MILLSTONE RD E
City	WATERFORD
State	CT
Zip	06385-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR-75
Legal Lot Number	4656
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3035
Census Tract	693300

Owner

280 Millstone Rd E is owned and occupied by two individuals who bought it in August 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	280 MILLSTONE RD E, WATERFORD, CT 06385-3210
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
May 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance DIME BANK
Aug 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2012 · Amount on File
Deed Sale	Aug 30, 2012 · Amount on File
Deed Document Number	201210
Deed Book / Page	1264 / 164
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	280 MILLSTONE RD E, WATERFORD, CT 06385-3210
Transaction Type	Mortgage
Record Updated	Jul 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001821-80
Date	May 15, 2023
Book Page	1821/80
Instrument	170740

Lender

Name	DIME BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	157 Months
Due	Jun 1, 2036

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	280 MILLSTONE RD E, WATERFORD, CT 06385-3210
Transaction Type	Mortgage
Record Updated	Jul 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001867-59
Date	Aug 6, 2024
Book Page	1867/59
Instrument	175321

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 280 Millstone Rd E was $21,379, up 2.7% 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	$21,379.00 (+2.7%)	$871,210 (-2.24%) Land $175,410 Building $695,800	$812,680 (+30.28%)
2025	$20,817.00	$891,160 Land $175,410 Building $715,750	$623,812 Land $122,787 Building $501,025
2024	$20,817.00 (+230.27%)
2023	$6,303.00	$297,320 Land $175,410 Building $121,910

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

Flood

FEMA maps place 280 Millstone Rd E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 280 Millstone Rd E 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 96% of the US · lower than 94% of Connecticut
Wildfire Likelihood	Under 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 126 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

Cell Coverage

5G (outdoors only) and 4G LTE

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