Ledyard Town property record for 4 Bluff Rd W, Gales Ferry, CT 06335
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,096 sqft · built 1900 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $100,000 (Oct 1994) |
| Tax Bill | $11,258 (2026) |
| Deeds & Mortgages | Apr 2021 Line of Credit May 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LEDY M:90 B:280 L:4 |
| Primary APN | LEDY M:90 B:280 L:4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| Gross Area | 4,200 sqft |
| Basement Area | 852 sqft |
| Unfinished Basement | 852 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,056 sqft (0.69 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 101320 |
|---|---|
| Street Address | 4 BLUFF RD W |
| City | GALES FERRY |
| State | CT |
| Zip | 06335-1456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Block | 280 |
| Legal Lot Number | 4 |
| Jurisdiction | LEDYARD CT |
| Township / Civil Division | LEDYARD |
| Census Block Group | 5 |
| Census Block | 5008 |
| Census Tract | 701200 |
4 Bluff Rd W is held in a trust since April 2025.
Source: Ledyard Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 430 CLINTON ST, 1, BROOKLYN, NY 11231-3579 |
| Owner Type | Individual |
| Vesting | Trust, Family Revocable Trust |
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 |
|---|---|
| Apr 8, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SCIENT FEDERAL CREDIT UNION |
| May 7, 2025 | Quit Claim Deed, Transfer NONE AVILABALE |
| Apr 8, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 1994 · Amount on File |
| Deed Sale | Oct 3, 1994 · Amount on File |
| Prior Sale | Jun 22, 1989 · Amount on File |
| Deed Book / Page | 246 / 150 |
| Last Transfer Date | Apr 29, 2025 |
| Transfer Doc | 000654-393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEDYARD CT |
| Property Address | 4 BLUFF RD W, GALES FERRY, CT 06335-1456 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2025 |
| Title Company | NONE AVILABALE |
| Name | Verified Name |
|---|
| Document Number | 0000602-79 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 602/79 |
| Instrument | 2021000879 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEDYARD CT |
| Property Address | 4 BLUFF RD W, GALES FERRY, CT 06335-1456 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000604-55 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 604/55 |
| Instrument | 2021001429 |
| Name | SCIENT FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LEDYARD CT |
| Recording Date | May 7, 2025 |
| Property Address | 4 BLUFF RD W, GALES FERRY, CT 06335-1456 |
| Document Number | 000654-393 |
| Book / Page | 654 / 393 |
| Instrument Date | Apr 29, 2025 |
| Instrument | 2025000930 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2025 |
| Title Company | NONE AVILABALE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 430 CLINTON ST APT 1, 1, BROOKLYN, NY 11231-3579 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEDYARD CT |
| Property Address | 4 BLUFF RD W, GALES FERRY, CT 06335-1456 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 602-79 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 602/79 |
| Instrument | 2021000879 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 4 Bluff Rd W was $11,258, up 22.4% from the year before.
Source: Ledyard Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Ledyard Town |
| Unified School District | Ledyard School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,258.00 (+22.41%) | $436,710 (+76.36%) Land $165,010 Building $271,700 | $422,066 (+143.5%) |
| 2025 | $9,197.00 | $247,623 Land $84,943 Building $162,680 | $173,336 Land $59,460 Building $113,876 |
| 2023 | $8,483.00 (+2.19%) | $245,453 (-) Land $84,943 Building $160,510 | |
| 2022 | $8,301.00 | $245,453 Land $84,943 Building $160,510 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Bluff Rd W in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 4 Bluff Rd W 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 | MONTVILLE WATER SUPPLY serves 1,300 people · EPA ID CT0864011 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 33 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 |
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