3 White Oak Dr, Prospect, CT 06712 Property Records

Waterbury City property record for 3 White Oak Dr, Prospect, CT 06712

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,523 sqft · built 2017
Owner	2 Individual Names on Record
Last Sale	$544,449 (May 2025)
Tax Bill	$10,265 (2026)
Deeds & Mortgages	Jan 2025 Sale & Mortgage May 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T0271290`

Property Details

APN / Parcel Number

Primary APN	`T0271290`
Alternative APN	`PROS M:108 B:175 L:3`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,523 sqft Living Area
Basement Area	1,523 sqft
Unfinished Basement	975 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Other
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	T0271290
Street Address	3 WHITE OAK DR
City	PROSPECT
State	CT
Zip	06712-1489
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CP
Legal Block	175
Legal Lot Number	3
Jurisdiction	PROSPECT CT
Township / Civil Division	WATERBURY
Census Block Group	4
Census Block	4011
Census Tract	351300

Owner

Source: Waterbury City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10665 LAUREL PATH, ESCONDIDO, CA 92026-7320
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2025	Executor's Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
May 14, 2025	Executor's Deed, Transfer · Line of Credit JPMORGAN CHASE BANK NA
Oct 23, 2020	Warranty Deed, Transfer · VA Mortgage TBI MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2025 · Amount on Record
Deed Sale	May 14, 2025 · Amount on Record
Prior Sale	Jan 21, 2025 · Amount on Record
Deed Document Number	202512576
Deed Book / Page	9072 / 146
Record Updated	Oct 29, 2026

January 2025: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	PROSPECT CT
Recording Date	Jan 21, 2025
Property Address	3 WHITE OAK DR, PROSPECT, CT 06712-1489
Document Number	000932-239
Book / Page	932 / 239
Instrument Date	Jan 10, 2025
Instrument	202568
Transaction Type	Transfer
Record Updated	Feb 6, 2025

Transaction

Amount	Amount Recorded
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	10665 LAUREL PATH, ESCONDIDO, CA 92026-7320
Investor	Possibly a Property Investor

Mortgage

Document Number	0000202569
Date	Jan 21, 2025
Instrument	2025-69

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2025: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WATERBURY CT
Recording Date	May 14, 2025
Property Address	3 WHITE OAK DR, PROSPECT, CT 06712-1489
Document Number	009072-146
Book / Page	9072 / 146
Instrument Date	Jan 8, 2025
Instrument	202512576
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount Recorded
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	10665 LAUREL PATH, ESCONDIDO, CA 92026-7320
Investor	Possibly a Property Investor

Mortgage

Document Number	0202512577
Date	May 14, 2025
Instrument	2025-12577

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Oct 23, 2020
Property Address	3 WHITE OAK DR, PROSPECT, CT 06712-1489
Document Number	871-46
Book / Page	871 / 46
Instrument Date	Sep 15, 2020
Instrument	1454
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	1455
Date	Oct 23, 2020
Instrument	1455

Lender

Name	TBI MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Waterbury City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Waterbury City
Unified School District	Waterbury School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,265.00 (+11.33%)	$360,570 (-) Building $360,570	$513,690 (+103.52%)
2025	$9,220.00	$360,570 (+30.36%) Building $360,570	$252,399 Building $252,399
2024	$9,220.00 (+4.43%)
2023	$8,829.00 (-0.09%)	$276,590 (-) Building $276,590
2022	$8,837.00	$276,590 Building $276,590

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

FEMA Flood Zone	Zone X minimal risk
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

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	0.01% 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	WATERBURY WATER DEPARTMENT serves 107,271 people · EPA ID CT1510011
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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