298 Millstone Rd E, Waterford, CT 06385 Property Records

Waterford Town property record for 298 Millstone Rd E, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1996
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jul 2007)
Tax Bill	$7,289 (2026)
Deeds & Mortgages	Aug 2022 Refinance Dec 2021 Refinance + 1 more
Flood Zone	Zone X (moderate risk)
APN	`WATE M:165 L:4666`

Property Details

APN / Parcel Number

Primary APN	`WATE M:165 L:4666`
Alternative APNs	`WFRD M:165 L:4666` `0424500` `424500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	3,617 sqft
Basement Area	775 sqft
Unfinished Basement	775 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,890 sqft (0.25 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	424500
Street Address	298 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 Subdivision	VILLAGE LONG WHARF
Legal Lot Number	4666
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3035
Census Tract	693300

Owner

298 Millstone Rd E is owned and occupied by two individuals who bought it in July 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	298 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.

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY BANK
Dec 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Oct 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2007 · Amount on File
Deed Sale	Jul 31, 2007 · Amount on File
Prior Sale	Jun 4, 2001 · Amount on File
Deed Book / Page	968 / 52
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	298 MILLSTONE RD E, WATERFORD, CT 06385-3212
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001791-247
Date	Aug 9, 2022
Book Page	1791/247
Instrument	167309

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	298 MILLSTONE RD E, WATERFORD, CT 06385-3212
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001756-224
Date	Dec 20, 2021
Book Page	1756/224
Instrument	163778

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	298 MILLSTONE RD E, WATERFORD, CT 06385-3212
Document Number	1576-277
Instrument Date	Oct 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 INDUSTRY DR PITTSBURGH PA 152751015, PITTSBURGH, PA 15275-1015

Mortgage

Document Number	1576-277
Date	Nov 8, 2018
Book Page	001576/000277

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 7, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 298 Millstone Rd E was $7,289, up 5.1% 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	$7,289.00 (+5.12%)	$297,010 (+0.06%) Land $157,860 Building $139,150	$405,781 (+95.29%)
2025	$6,934.00	$296,840 Land $157,860 Building $138,980	$207,788 Land $110,502 Building $97,286
2024	$6,934.00 (+10.19%)
2023	$6,293.00	$296,840 Land $157,860 Building $138,980

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

Flood

FEMA maps place 298 Millstone Rd E in Zone X, an area of moderate flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 298 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.

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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