Waterford Town property record for 3 Cross Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,560 sqft · built 1954 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,900 (Feb 2019) |
| Tax Bill | $3,992 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Oct 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:116 L:1655 |
| Primary APN | WATE M:116 L:1655 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 3,628 sqft |
| Basement Area | 60 sqft |
| Unfinished Basement | 60 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 141000 |
|---|---|
| Street Address | 3 CROSS RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Lot Number | 1655 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 693300 |
3 Cross Rd is owned and occupied by two individuals who bought it in February 2019.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 CROSS RD, WATERFORD, CT 06385-1607 |
| 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.
| Date | Document |
|---|---|
| Jan 3, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Oct 31, 2018 | Deed of Trust, Mortgage · Line of Credit CHELSEA GROTON BANK |
| Feb 21, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2019 · Amount on File |
| Deed Sale | Feb 21, 2019 · Amount on File |
| Deed Book / Page | 1586 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 3 CROSS RD, WATERFORD, CT 06385-1607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001759-38 |
|---|---|
| Date | Jan 3, 2022 |
| Book Page | 1759/38 |
| Instrument | 163975 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 3 CROSS RD, WATERFORD, CT 06385-1607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1575-274 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 1575/274 |
| Name | CHELSEA GROTON BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Feb 21, 2019 |
| Property Address | 3 CROSS RD, WATERFORD, CT 06385-1607 |
| Document Number | 1586-207 |
| Book / Page | 1586 / 207 |
| Instrument Date | Feb 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| 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 |
|---|---|
| Address | 6200 PARK AVE, DES MOINES, IA 50321-1270 |
| Document Number | 1586210 |
|---|---|
| Date | Feb 21, 2019 |
| Instrument | 1586/210 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3 Cross Rd was $3,992, 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 | $3,992.00 (+5.05%) | $162,670 (-) Land $63,890 Building $98,780 | $378,568 (+232.46%) |
| 2025 | $3,800.00 | $162,670 Land $63,890 Building $98,780 | $113,869 Land $44,723 Building $69,146 |
| 2024 | $3,800.00 (+10.18%) | ||
| 2023 | $3,449.00 | $162,670 Land $63,890 Building $98,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Cross Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 20, 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 risk around 3 Cross Rd 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 97% of the US · lower than 95% 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.
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 87 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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