Waterford Town property record for 36 Niantic River Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,455 sqft · built 1984 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $286,000 (Jul 1992) |
| Tax Bill | $19,750 (2026) |
| Deeds & Mortgages | Dec 2024 Refinance Apr 2020 Refinance |
| Flood Zone | Zone AE (high risk) |
| APN | WATE M:149 L:5069 |
| Primary APN | WATE M:149 L:5069 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,455 sqft Living Area |
| Gross Area | 6,974 sqft |
| Basement Area | 860 sqft |
| Unfinished Basement | 860 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 464400 |
|---|---|
| Street Address | 36 NIANTIC RIVER RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-2531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20W |
| Legal Lot Number | 5069 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 693300 |
36 Niantic River Rd is owned by an individual who acquired it in September 2025.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| 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.
| Date | Document |
|---|---|
| Dec 2, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CHARTER OAK FCU |
| Apr 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CHARTER OAK FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 1992 · Amount on File |
| Deed Sale | Jul 21, 1992 · Amount on File |
| Deed Book / Page | 405 / 806 |
| Last Transfer Date | Sep 18, 2025 |
| Transfer Doc | 001883-517 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 36 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001873-935 |
|---|---|
| Date | Dec 2, 2024 |
| Book Page | 1873/935 |
| Instrument | 176421 |
| Name | CHARTER OAK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 36 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1639-275 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 1639/275 |
| Instrument | 154185 |
| Name | CHARTER OAK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | May 1, 2044 |
The 2026 property tax bill for 36 Niantic River Rd was $19,750, up 8.3% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,750.00 (+8.31%) | $804,800 (+3.1%) Land $418,900 Building $385,900 | $939,099 (+71.86%) |
| 2025 | $18,235.00 | $780,600 Land $414,600 Building $366,000 | $546,420 Land $290,220 Building $256,200 |
| 2024 | $18,235.00 (+10.19%) | ||
| 2023 | $16,549.00 | $780,600 Land $414,600 Building $366,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 36 Niantic River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 36 Niantic River Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 191 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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