31 Pine St, Waterford, CT 06385 Property Records

Waterford Town property record for 31 Pine St, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,431 sqft · built 1950
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Nov 2024)
Tax Bill	$4,505 (2026)
Deeds & Mortgages	Nov 2024 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WATE M:134 L:6274`

Property Details

APN / Parcel Number

Primary APN	`WATE M:134 L:6274`
Alternative APNs	`WFRD M:134 L:6274` `0581900` `581900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,431 sqft Living Area
Gross Area	3,031 sqft
Basement Area	213 sqft
Unfinished Basement	213 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1984
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	581900
Street Address	31 PINE ST
City	WATERFORD
State	CT
Zip	06385-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR-10
Legal Lot Number	6274
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2001
Census Tract	693400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6 THOMPSON CT, NEW LONDON, CT 06320-5629
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage CONNECTICUT HOUSING FINANCE AUTHORI
Jun 28, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PINNACLE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2024 · Amount on Record
Deed Sale	Nov 26, 2024 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	2024176369
Deed Book / Page	1873 / 686
Transfer Doc	001114-268
Record Updated	Oct 29, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Nov 26, 2024
Property Address	31 PINE ST, WATERFORD, CT 06385-2409
Document Number	001873-686
Book / Page	1873 / 686
Instrument Date	Nov 25, 2024
Instrument	2024176369
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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	6 THOMPSON CT, NEW LONDON, CT 06320-5629
Investor	Possibly a Property Investor

Mortgage

Document Number	2024176371
Date	Nov 26, 2024
Instrument	2024176371

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORI
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2034

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Jun 28, 2019
Property Address	31 PINE ST, WATERFORD, CT 06385-2409
Document Number	1604-118
Book / Page	1604 / 118
Instrument Date	Jun 28, 2019
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	1604121
Date	Jun 28, 2019
Instrument	1604/121

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,505.00 (+6.4%)	$183,570 (+1.27%) Land $53,370 Building $130,200	$370,709 (+192.17%)
2025	$4,234.00	$181,260 (+17.34%) Land $53,370 Building $127,890	$126,882 Land $37,359 Building $89,523
2024	$4,234.00 (+29.28%)
2023	$3,275.00	$154,480 Land $53,370 Building $101,110

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% 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.

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 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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