Waterford Town property record for 286 Millstone Rd E, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,974 sqft · built 1981 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,000 (Sep 2021) |
| Tax Bill | $8,570 (2026) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | WATE M:165 L:4659 |
| Primary APN | WATE M:165 L:4659 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,974 sqft Living Area |
| Gross Area | 4,936 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 423800 |
|---|---|
| Street Address | 286 MILLSTONE RD E |
| City | WATERFORD |
| State | CT |
| Zip | 06385-3212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR-75 |
| Legal Lot Number | 4659 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 693300 |
286 Millstone Rd E is owned and occupied by two individuals who bought it in September 2021.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 286 MILLSTONE RD E, WATERFORD, CT 06385-3212 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2021 · Amount on File |
| Deed Sale | Sep 15, 2021 · Amount on File |
| Prior Sale | May 3, 1999 · Amount on File |
| Deed Document Number | 2021162425 |
| Deed Book / Page | 1738 / 333 |
| Transfer Doc | 001171-299 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Sep 15, 2021 |
| Property Address | 286 MILLSTONE RD E, WATERFORD, CT 06385-3212 |
| Document Number | 001738-333 |
| Book / Page | 1738 / 333 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 162425 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 344 HART ST, BRISTOL, CT 06010-8980 |
| Document Number | 0000162426 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 162426 |
| Name | FIRST AMERICAN HOME LOAN |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 286 Millstone Rd E was $8,570, up 5.1% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,570.00 (+5.05%) | $349,210 (-) Land $175,590 Building $173,620 | $613,259 (+150.88%) |
| 2025 | $8,158.00 | $349,210 Land $175,590 Building $173,620 | $244,447 Land $122,913 Building $121,534 |
| 2024 | $8,158.00 (+10.2%) | ||
| 2023 | $7,403.00 | $349,210 Land $175,590 Building $173,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 286 Millstone Rd E in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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.
The area around 286 Millstone Rd E has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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