Waterford Town property record for 4 David St, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,348 sqft · built 1930 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $116,000 (Dec 1993) |
| Tax Bill | $3,812 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:133 L:1808 |
| Primary APN | WATE M:133 L:1808 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,348 sqft Living Area |
| Gross Area | 2,692 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 155400 |
|---|---|
| Street Address | 4 DAVID ST |
| City | WATERFORD |
| State | CT |
| Zip | 06385-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Lot Number | 1808 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 693400 |
4 David St is owned and occupied by two individuals who bought it in December 1993.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 DAVID ST, WATERFORD, CT 06385-2314 |
| 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.
| Date | Document |
|---|---|
| Jul 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Jan 11, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 1993 · Amount on File |
| Deed Sale | Dec 27, 1993 · Amount on File |
| Deed Book / Page | 427 / 390 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 4 DAVID ST, WATERFORD, CT 06385-2314 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001724-126 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 1724/126 |
| Instrument | 161339 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 4 DAVID ST, WATERFORD, CT 06385-2314 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001807-154 |
|---|---|
| Date | Jan 11, 2023 |
| Book Page | 1807/154 |
| Instrument | 168914 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2047 |
The 2026 property tax bill for 4 David St was $3,812, up 5% 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 | $3,812.00 (+5.04%) | $155,340 (-) Land $55,550 Building $99,790 | $332,920 (+206.17%) |
| 2025 | $3,629.00 | $155,340 Land $55,550 Building $99,790 | $108,738 Land $38,885 Building $69,853 |
| 2024 | $3,629.00 (+10.2%) | ||
| 2023 | $3,293.00 | $155,340 Land $55,550 Building $99,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 David St 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.
The area around 4 David St 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 297 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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