4 E Neck Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 4 E Neck Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,272 sqft · built 1958
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$122,000 (Dec 1998)
Tax Bill	$4,393 (2026)
Deeds & Mortgages	Sep 2020 Transfer Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WATE M:169 L:2210`

Property Details

APN / Parcel Number

Primary APN	`WATE M:169 L:2210`
Alternative APNs	`WFRD M:169 L:2210` `0192200` `192200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
Gross Area	2,960 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	192200
Street Address	4 E NECK RD
City	WATERFORD
State	CT
Zip	06385-3807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	2210
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1026
Census Tract	693500

Owner

4 E Neck Rd is owned and occupied by two individuals who acquired it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 E NECK RD, WATERFORD, CT 06385-3807
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
Sep 3, 2020	Quit Claim Deed, Transfer UNKNOWN
Dec 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 1998 · Amount on File
Deed Sale	Dec 30, 1998 · Amount on File
Prior Sale	Aug 27, 1993 · Amount on File
Deed Book / Page	493 / 34
Last Transfer Date	Aug 19, 2020
Transfer Doc	1663-313
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERFORD CT
Recording Date	Sep 3, 2020
Property Address	4 E NECK RD, WATERFORD, CT 06385-3807
Document Number	1663-313
Book / Page	001663 / 000313
Instrument Date	Aug 19, 2020
Instrument	156208
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	E NECK RD WATERFORD CT 06385, WATERFORD, CT 06385

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	4 E NECK RD, WATERFORD, CT 06385-3807
Document Number	1536-321
Book / Page	001536 / 000321
Instrument Date	Dec 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 E NECK RD WATERFORD CT 063853807, WATERFORD, CT 06385-3807

Mortgage

Document Number	1536-321
Date	Dec 18, 2017
Book Page	001536/000321

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 17, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 4 E Neck Rd was $4,393, up 5.1% from the year before.

Source: Waterford Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Waterford Town
Unified School District	Waterford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,393.00 (+5.07%)	$179,000 (-) Land $83,460 Building $95,540	$366,058 (+192.15%)
2025	$4,181.00	$179,000 Land $83,460 Building $95,540	$125,300 Land $58,422 Building $66,878
2024	$4,181.00 (+10.17%)
2023	$3,795.00	$179,000 Land $83,460 Building $95,540

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

Flood

FEMA maps place 4 E Neck Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 4 E Neck 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 96% of the US · lower than 94% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 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

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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