34 Pepperbox Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 34 Pepperbox Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,397 sqft · built 1989
Lot Size	5.2 acres (226,643 sqft)
Owner	Individual Name on File
Last Sale	$233,334 (Jun 2026)
Tax Bill	$8,867 (2026)
Deeds & Mortgages	Jun 2026 Sale Oct 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:161 L:6148`

Property Details

APN / Parcel Number

Primary APN	`WATE M:161 L:6148`
Alternative APNs	`WFRD M:161 L:6148` `0569600` `569600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,397 sqft Living Area
Gross Area	5,026 sqft
Basement Area	1,095 sqft
Unfinished Basement	1,095 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	226,643 sqft (5.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	569600
Street Address	34 PEPPERBOX RD
City	WATERFORD
State	CT
Zip	06385-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	6148
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1000
Census Tract	693500

Owner

34 Pepperbox Rd is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	34 PEPPERBOX RD, WATERFORD, CT 06385-3512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jun 24, 2026	Quit Claim Deed, Transfer
Oct 16, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance COREPLUS FCU
Feb 1, 2023	Deed of Trust, Mortgage · ARM CITIZENS BANK
Jul 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Oct 16, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on File
Deed Sale	Jun 24, 2026 · Amount on File
Deed Document Number	2026182199
Deed Book / Page	1892 / 683
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERFORD CT
Recording Date	Jun 24, 2026
Property Address	34 PEPPERBOX RD, WATERFORD, CT 06385-3512
Document Number	0000182199
Book / Page	1892 / 683
Instrument Date	Feb 11, 2026
Instrument	2026182199
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 PEPPERBOX RD, WATERFORD, CT 06385-3512

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	34 PEPPERBOX RD, WATERFORD, CT 06385-3512
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001837-80
Date	Oct 16, 2023
Book Page	1837/80
Instrument	172344

Lender

Name	COREPLUS FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2048

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	34 PEPPERBOX RD, WATERFORD, CT 06385-3512
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001809-45
Date	Feb 1, 2023
Book Page	1809/45
Instrument	169140

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Mar 1, 2033
Index	Other

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	34 PEPPERBOX RD, WATERFORD, CT 06385-3512
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001787-167
Date	Jul 8, 2022
Book Page	1787/167
Instrument	166933

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2047

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	34 PEPPERBOX RD, WATERFORD, CT 06385-3512
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1574-143
Date	Oct 16, 2018
Book Page	1574/143

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 34 Pepperbox Rd was $8,867, up 5% from the year before.

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	$8,867.00 (+5.05%)	$361,340 (-) Land $123,670 Building $237,670	$735,732 (+190.87%)
2025	$8,441.00	$361,340 Land $123,670 Building $237,670	$252,938 Land $86,569 Building $166,369
2024	$8,441.00 (+10.2%)
2023	$7,660.00	$361,340 Land $123,670 Building $237,670

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

Flood

FEMA maps place 34 Pepperbox 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

Wildfire risk around 34 Pepperbox Rd is low, with 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 47 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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