4 Forest St, Waterford, CT 06385 Property Records

Waterford Town property record for 4 Forest St, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,128 sqft · built 1937
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on File
Last Sale	$167,500 (Dec 2012)
Tax Bill	$6,352 (2026)
Deeds & Mortgages	May 2021 Refinance Dec 2019 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`WATE M:176 L:2523`

Property Details

APN / Parcel Number

Primary APN	`WATE M:176 L:2523`
Alternative APNs	`WFRD M:176 L:2523` `0221700` `221700`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	4,710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Shingle
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	221700
Street Address	4 FOREST ST
City	WATERFORD
State	CT
Zip	06385-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR-75
Legal Lot Number	2523
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1015
Census Tract	693500

Owner

4 Forest St is owned and occupied by an individual who acquired it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	4 FOREST ST, WATERFORD, CT 06385-3904
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
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CHELSEA GROTON BANK
Dec 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
May 6, 2019	Quit Claim Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2012 · Amount on File
Deed Sale	Dec 19, 2012 · Amount on File
Prior Sale	Apr 24, 1989 · Amount on File
Deed Book / Page	1282 / 311
Last Transfer Date	May 6, 2019
Transfer Doc	1597-175
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	4 FOREST ST, WATERFORD, CT 06385-3904
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001716-336
Date	May 26, 2021
Book Page	1716/336
Instrument	160705

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	217 Months
Due	Jun 1, 2039

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	4 FOREST ST, WATERFORD, CT 06385-3904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1625-180
Date	Dec 13, 2019
Book Page	1625/180

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERFORD CT
Recording Date	May 6, 2019
Property Address	4 FOREST ST, WATERFORD, CT 06385-3904
Document Number	1597-175
Book / Page	001597 / 000175
Instrument Date	May 6, 2019
Transaction Type	Transfer
Record Updated	Jun 25, 2019
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	4 FOREST ST WATERFORD CT 063853904, WATERFORD, CT 06385-3904

Tax Assessment & Valuation

The 2026 property tax bill for 4 Forest St was $6,352, 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	$6,352.00 (+5.06%)	$258,830 (-) Land $114,400 Building $144,430	$507,000 (+179.83%)
2025	$6,046.00	$258,830 Land $114,400 Building $144,430	$181,181 Land $80,080 Building $101,101
2024	$6,046.00 (+1.87%)
2023	$5,935.00	$279,940 Land $114,400 Building $165,540

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

Flood

FEMA maps place 4 Forest St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4 Forest St 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 98% of the US · lower than 97.2% 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 214 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

Cell Coverage

4G LTE only, no 5G reported

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