3 Lorraine Ln, Oxford, CT 06478 Property Records

Oxford Town property record for 3 Lorraine Ln, Oxford, CT 06478

Property Summary

Property Type	Duplex
Details	5 bd · 5 ba · 4,400 sqft · built 2005
Lot Size	1.65 acres (71,874 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Jan 2024)
Tax Bill	$12,679 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`Z9107480`

Property Details

APN / Parcel Number

Primary APN	`Z9107480`
Alternative APNs	`OXFO M:26 B:17 L:K17-16` `OXFD M:26 B:17 L:K17-16`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,400 sqft Living Area
Gross Area	11,469 sqft
Basement Area	2,651 sqft
Unfinished Basement	2,101 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Hip
Roof Material	Shingle
Lot Area	71,874 sqft (1.65 acres)
Garage Type	Attached
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	Z9107480
Street Address	3 LORRAINE LN
City	OXFORD
State	CT
Zip	06478-1194
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESA
Legal Block	17
Legal Lot Number	K17-16
Jurisdiction	OXFORD CT
Township / Civil Division	OXFORD
Census Block Group	3
Census Block	3029
Census Tract	346102

Owner

3 Lorraine Ln, a duplex, is owned and occupied by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 LORRAINE LN, OXFORD, CT 06478-1194
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
Feb 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage RELIANT HOME FUNDING
Jan 9, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2024 · Amount on File
Deed Sale	Jan 9, 2024 · Amount on File
Prior Sale	May 12, 2005 · Amount on File
Deed Book / Page	470 / 666
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	3 LORRAINE LN, OXFORD, CT 06478-1194
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000483-506
Date	Feb 12, 2026
Book Page	483/506

Lender

Name	RELIANT HOME FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OXFORD CT
Recording Date	Jan 9, 2024
Property Address	3 LORRAINE LN, OXFORD, CT 06478-1194
Document Number	000470-666
Book / Page	470 / 666
Instrument Date	Jan 5, 2024
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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
Address	3 LORRAINE LN, OXFORD, CT 06478-1194

Mortgage

Document Number	1264450020
Date	Jan 9, 2024
Instrument	1264450020

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3 Lorraine Ln was $12,679, up 2.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,679.00 (+2.7%)	$616,980 (-) Land $86,030 Building $530,950	$929,158 (+115.14%)
2025	$12,346.00	$616,980 Land $86,030 Building $530,950	$431,886 Land $60,221 Building $371,665
2024	$12,346.00 (+6.84%)
2023	$11,556.00	$471,500 Land $94,300 Building $377,200

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

Flood

FEMA maps place 3 Lorraine Ln 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 3 Lorraine Ln is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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