281 Spring St, Cheshire, CT 06410 Property Records

Cheshire Town property record for 281 Spring St, Cheshire, CT 06410

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,461 sqft · built 1960
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Dec 2024)
Tax Bill	$7,016 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CHES M:57 B:47 L`

Property Details

APN / Parcel Number

Primary APN	`CHES M:57 B:47 L`
Alternative APNs	`CSHR M:57 B:47 L` `567100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,461 sqft Living Area
Gross Area	4,212 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	567100
Street Address	281 SPRING ST
City	CHESHIRE
State	CT
Zip	06410-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	47
Jurisdiction	CHESHIRE CT
Township / Civil Division	CHESHIRE
Census Block Group	1
Census Block	1005
Census Tract	343300

Owner

281 Spring St is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	281 SPRING ST, CHESHIRE, CT 06410-2722
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
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit SWIFT HOME LOANS INC
Feb 19, 2021	Deed of Trust, Mortgage · Balloon Mortgage NBKC BANK
Dec 26, 2024	Warranty Deed, Transfer · FHA Mortgage TD BANK NA
Jun 2, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on File
Deed Sale	Dec 26, 2024 · Amount on File
Prior Sale	Jul 14, 1999 · Amount on File
Deed Document Number	20242024003683
Deed Book / Page	3241 / 970
Prior Transfer Date	Jun 1, 2021
Prior Transfer Doc	3053-206
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESHIRE CT
Recording Date	Aug 19, 2026
Property Address	281 SPRING ST, CHESHIRE, CT 06410-2722
Document Number	0000003401
Book / Page	3267 / 918
Instrument Date	Aug 13, 2026
Instrument	20263401
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 SPRING ST, CHESHIRE, CT 06410-2722

Mortgage

Document Number	0000003401,
Date	Aug 19, 2026
Book Page	3267/918
Instrument	20263401

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2051

Interest

Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESHIRE CT
Property Address	281 SPRING ST, CHESHIRE, CT 06410-2722
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003023-317
Date	Feb 19, 2021
Book Page	3023/317
Instrument	2021000762

Lender

Name	NBKC BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESHIRE CT
Recording Date	Dec 26, 2024
Property Address	281 SPRING ST, CHESHIRE, CT 06410-2722
Document Number	003241-970
Book / Page	3241 / 970
Instrument Date	Dec 18, 2024
Instrument	2024003683
Transaction Type	Transfer
Record Updated	Feb 9, 2026

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	2024003684
Date	Dec 26, 2024
Instrument	2024003684

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESHIRE CT
Recording Date	Jun 2, 2021
Property Address	281 SPRING ST, CHESHIRE, CT 06410-2722
Document Number	003053-206
Book / Page	3053 / 206
Instrument Date	Jun 1, 2021
Instrument	2021003004
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 SPRING ST, CHESHIRE, CT 06410-2722

Tax Assessment & Valuation

The 2026 property tax bill for 281 Spring St was $7,016, up 5.5% from the year before.

Source: Cheshire Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,016.00 (+5.46%)	$223,720 (-) Land $75,390 Building $148,330	$466,118 (+197.64%)
2025	$6,653.00	$223,720 Land $75,390 Building $148,330	$156,604 Land $52,773 Building $103,831
2024	$6,653.00 (+27.09%)
2023	$5,235.00 (+2.25%)	$149,190 (-) Land $75,420 Building $73,770
2022	$5,120.00	$149,190 Land $75,420 Building $73,770

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 281 Spring St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 25, 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 281 Spring St 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	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 253 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
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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