Waterford Town property record for 37 Spithead Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1950 |
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Jan 2026) |
| Tax Bill | $5,080 (2026) |
| Deeds & Mortgages | Aug 2024 Refinance Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | WATE M:143 L:7802 |
| Primary APN | WATE M:143 L:7802 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 3,067 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 49,223 sqft (1.13 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 728400 |
|---|---|
| Street Address | 37 SPITHEAD RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 |
| Legal Lot Number | 7802 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 693300 |
37 Spithead Rd is owned and occupied by two individuals who bought it in January 2026.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 37 SPITHEAD RD, WATERFORD, CT 06385-1916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Aug 13, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CHARTER OAK FCU |
| Jan 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on File |
| Deed Sale | Jan 12, 2026 · Amount on File |
| Prior Sale | Jul 25, 2018 · Amount on File |
| Deed Document Number | 2026180452 |
| Deed Book / Page | 1886 / 1120 |
| Transfer Doc | 1419-132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 37 SPITHEAD RD, WATERFORD, CT 06385-1916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001867-243 |
|---|---|
| Date | Aug 13, 2024 |
| Book Page | 1867/243 |
| Instrument | 175370 |
| Name | CHARTER OAK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Jan 12, 2026 |
| Property Address | 37 SPITHEAD RD, WATERFORD, CT 06385-1916 |
| Document Number | 01886-1120 |
| Book / Page | 1886 / 1120 |
| Instrument Date | Jan 9, 2026 |
| Instrument | 180452 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 37 SPITHEAD RD, WATERFORD, CT 06385-1916 |
| Document Number | 0000180453 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 180453 |
| Name | T2 FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
The 2026 property tax bill for 37 Spithead Rd was $5,080, up 17.6% 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 | $5,080.00 (+17.57%) | $207,020 (+11.91%) Land $97,080 Building $109,940 | $382,826 (+195.65%) |
| 2025 | $4,321.00 | $184,980 Land $97,080 Building $87,900 | $129,486 Land $67,956 Building $61,530 |
| 2024 | $4,321.00 (+10.17%) | ||
| 2023 | $3,922.00 | $184,980 Land $97,080 Building $87,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 37 Spithead Rd in Zone X, an area of moderate flood risk.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 37 Spithead Rd is low, with less than 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 93% of the US · lower than 86% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 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.
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 39 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 |
May also be available: AT&T.
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