287 Cherry Ave, Watertown, CT 06795 Property Records

Watertown Town property record for 287 Cherry Ave, Watertown, CT 06795

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,048 sqft · built 1996
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$453,000 (Sep 2026)
Tax Bill	$8,247 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Sale & Line of Credit + 2 more
APN	`WATE M:120 B:84B L:6`

Property Details

APN / Parcel Number

Primary APN	`WATE M:120 B:84B L:6`
Alternative APNs	`WTWN M:120 B:84B L:6` `3995`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	4,476 sqft
1st Floor Area	1,024 sqft
Basement Area	1,024 sqft
Unfinished Basement	100 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	3995
Street Address	287 CHERRY AVE
City	WATERTOWN
State	CT
Zip	06795-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R125
Legal Block	84B
Legal Lot Number	6
Jurisdiction	WATERTOWN CT
Township / Civil Division	WATERTOWN
Census Block Group	2
Census Block	2001
Census Tract	360200

Owner

287 Cherry Ave is owned and occupied by two individuals who bought it in September 2026.

Source: Watertown Town records, as of October 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit AMERICAN HOME RESOURCES INC
Sep 15, 2026	Warranty Deed, Transfer · Line of Credit AMERICAN HOME RESOURCES INC
Aug 31, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Oct 17, 2022	Warranty Deed, Transfer · FHA Mortgage FIRST WORLD MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2026 · Amount on File
Deed Sale	Sep 15, 2026 · Amount on File
Prior Sale	Oct 17, 2022 · Amount on File
Deed Document Number	2026144839
Deed Book / Page	2395 / 869
Transfer Doc	1907000105
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN CT
Recording Date	Sep 15, 2026
Property Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817
Document Number	0000144840
Book / Page	2395 / 872
Instrument Date	Sep 3, 2026
Instrument	2026144840
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817

Mortgage

Document Number	0000144840,
Date	Sep 15, 2026
Book Page	2395/872
Instrument	2026144840

Lender

Name	AMERICAN HOME RESOURCES INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERTOWN CT
Recording Date	Sep 15, 2026
Property Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817
Document Number	0000144839
Book / Page	2395 / 869
Instrument Date	Aug 28, 2026
Instrument	2026144839
Transaction Type	Transfer
Record Updated	Oct 6, 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
Relationship	Joint Tenants
Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817

Mortgage

Date	Sep 15, 2026

Lender

Name	AMERICAN HOME RESOURCES INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN CT
Recording Date	Aug 31, 2026
Property Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817
Document Number	0000144713
Book / Page	2395 / 276
Instrument Date	Aug 11, 2026
Instrument	2026144713
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817

Mortgage

Document Number	0000144713,
Date	Aug 31, 2026
Book Page	2395/276
Instrument	2026144713

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Sep 1, 2052

Interest

Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERTOWN CT
Recording Date	Oct 17, 2022
Property Address	287 CHERRY AVE, WATERTOWN, CT 06795-2817
Document Number	002266-289
Book / Page	2266 / 289
Instrument Date	Oct 14, 2022
Instrument	132070
Transaction Type	Transfer
Record Updated	Jul 31, 2023

Transaction

Amount	Amount 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	287 CHERRY AVE, WATERTOWN, CT 06795-2817

Mortgage

Document Number	0000132071
Date	Oct 17, 2022
Instrument	132071

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	002266-304
Date	Oct 17, 2022
Book Page	2266/304
Instrument	132072

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 287 Cherry Ave was $8,247.

Source: Watertown Town assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,247.00	$274,540 Land $57,050 Building $217,490	$192,178 Land $39,935 Building $152,243
2024	$8,247.00 (+22.47%)
2023	$6,734.00 (+5.48%)	$182,700 (-) Land $56,400 Building $126,300
2022	$6,384.00	$182,700 Land $56,400 Building $126,300

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 has no flood map on file for 287 Cherry Ave.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

Wildfire risk around 287 Cherry Ave 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	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	WATERTOWN FIRE DISTRICT serves 6,718 people · EPA ID CT1530011
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000

May also be available: Verizon.

Nearby Properties on Cherry Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures