3 Willow St, Milford, CT 06460 Property Records

Milford City property record for 3 Willow St, Milford, CT 06460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,244 sqft · built 2009
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$449,000 (Jul 2026)
Tax Bill	$6,368 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`20676`

Property Details

APN / Parcel Number

Primary APN	`20676`
Alternative APNs	`M:00035 B:00439 L:000017` `MILF M:35 B:439 L:17` `MLFD M:35 B:439 L:17`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,244 sqft Living Area
Gross Area	1,871 sqft
1st Floor Area	617 sqft
Basement Area	617 sqft
Unfinished Basement	617 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20676
Street Address	3 WILLOW ST
City	MILFORD
State	CT
Zip	06460-6349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	439
Legal Lot Number	17
Jurisdiction	MILFORD CT
Township / Civil Division	MILFORD
Census Block Group	2
Census Block	2000
Census Tract	150200

Owner

3 Willow St is owned and occupied by two individuals who bought it in July 2026.

Source: Milford City records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 WILLOW ST, MILFORD, CT 06460-6349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

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
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Apr 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Deed Book / Page	4193 / 469
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD CT
Recording Date	Jul 31, 2026
Property Address	3 WILLOW ST, MILFORD, CT 06460-6349
Document Number	0000005172
Book / Page	4193 / 469
Instrument Date	Jul 27, 2026
Instrument	20265172
Transaction Type	Transfer
Record Updated	Sep 25, 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
Address	3 WILLOW ST, MILFORD, CT 06460-6349
Investor	Possibly a Property Investor

Mortgage

Date	Jul 31, 2026

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Type Change Date	Aug 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	3 WILLOW ST, MILFORD, CT 06460-6349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3819-666
Date	Apr 29, 2019
Book Page	3819/666

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3 Willow St was $6,368.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,368.00	$215,490 Land $86,630 Building $128,860	$307,843 Land $123,757 Building $184,086
2024	$6,368.00 (+8.76%)
2023	$5,855.00	$215,490 Land $86,630 Building $128,860

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3 Willow St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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 3 Willow St 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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (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	None 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 475 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Willow St

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