38 Cheryl Ln, Prospect, CT 06712 Property Records

Prospect Town property record for 38 Cheryl Ln, Prospect, CT 06712

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,145 sqft · built 1994
Lot Size	1.9 acres (82,764 sqft)
Owner	Individual Name on File
Tax Bill	$13,352 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`Z0278900`

Property Details

APN / Parcel Number

Primary APN	`Z0278900`
Alternative APN	`PROS M:108 B:32 L:38`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,145 sqft Living Area
Gross Area	6,096 sqft
Basement Area	2,416 sqft
Unfinished Basement	1,351 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2007
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	82,764 sqft (1.9 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	Z0278900
Street Address	38 CHERYL LN
City	PROSPECT
State	CT
Zip	06712-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Block	32
Legal Lot Number	38
Jurisdiction	PROSPECT CT
Township / Civil Division	PROSPECT
Census Block Group	3
Census Block	3005
Census Tract	347100

Owner

38 Cheryl Ln is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	38 CHERYL LN, PROSPECT, CT 06712-1305
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 6, 2020	Deed of Trust, Mortgage · Balloon Mortgage THOMASTON SAVINGS BANK
Aug 14, 2018	Warranty Deed, Transfer CHELSEA GROTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROSPECT CT
Property Address	38 CHERYL LN, PROSPECT, CT 06712-1305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	869-181
Date	Oct 6, 2020
Book Page	869/181
Instrument	1347

Lender

Name	THOMASTON SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Aug 14, 2018
Property Address	38 CHERYL LN, PROSPECT, CT 06712-1305
Document Number	825-179
Book / Page	825 / 179
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109.04
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	8250181
Date	Aug 14, 2018
Instrument	00825/0181

Lender

Name	CHELSEA GROTON BANK

Agreement

Amount	Amount on Record
Term	96 Months
Due	Aug 14, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 38 Cheryl Ln was $13,352, up 11.3% from the year before.

Source: Prospect Town assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Prospect Town
Unified School District	Regional School District 16 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,352.00 (+11.34%)	$469,000 (-) Land $91,280 Building $377,720	$662,664 (+101.85%)
2025	$11,992.00	$469,000 Land $91,280 Building $377,720	$328,300 Land $63,896 Building $264,404
2024	$11,992.00 (+9.6%)
2023	$10,942.00 (-0.09%)	$342,790 (-) Land $91,230 Building $251,560
2022	$10,952.00	$342,790 Land $91,230 Building $251,560

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

Flood

FEMA maps place 38 Cheryl Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 25, 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 38 Cheryl Ln 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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