Derby City property record for 4 Frank Gates Ln, Derby, CT 06418
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,394 sqft · built 2007 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $39,000 (Aug 2009) |
| Tax Bill | $16,212 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DERB M:4 B:5 L:5B |
| Primary APN | DERB M:4 B:5 L:5B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,394 sqft Living Area |
| 1st Floor Area | 2,394 sqft |
| Basement Area | 1,054 sqft |
| Unfinished Basement | 1,054 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 5877 |
|---|---|
| Street Address | 4 FRANK GATES LN |
| City | DERBY |
| State | CT |
| Zip | 06418-2263 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Block | 5 |
| Legal Lot Number | 5B |
| Jurisdiction | DERBY CT |
| Township / Civil Division | DERBY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 120100 |
4 Frank Gates Ln is owned and occupied by two individuals who bought it in August 2009.
Source: Derby City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 FRANK GATES LN, DERBY, CT 06418-2263 |
| 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 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| May 29, 2025 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORP |
| May 13, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Oct 10, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CONNEX CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2009 · Amount on File |
| Deed Sale | Aug 31, 2009 · Amount on File |
| Deed Book / Page | 589 / 88 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DERBY CT |
| Recording Date | Jul 28, 2026 |
| Property Address | 4 FRANK GATES LN, DERBY, CT 06418-2263 |
| Document Number | 0000000868 |
| Book / Page | 974 / 282 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 2026868 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4 FRANK GATES LN, DERBY, CT 06418-2263 |
| Document Number | 0000000868, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 974/282 |
| Instrument | 2026868 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DERBY CT |
| Property Address | 4 FRANK GATES LN, DERBY, CT 06418-2263 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000948-150 |
|---|---|
| Date | May 29, 2025 |
| Book Page | 948/150 |
| Instrument | 648 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DERBY CT |
| Property Address | 4 FRANK GATES LN, DERBY, CT 06418-2263 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000925-69 |
|---|---|
| Date | May 13, 2024 |
| Book Page | 925/69 |
| Instrument | 534 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DERBY CT |
| Property Address | 4 FRANK GATES LN, DERBY, CT 06418-2263 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000912-205 |
|---|---|
| Date | Oct 10, 2023 |
| Book Page | 912/205 |
| Instrument | 3272 |
| Name | CONNEX CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2033 |
The 2026 property tax bill for 4 Frank Gates Ln was $16,212, up 41.7% from the year before.
Source: Derby City assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision / Municipality | Derby City |
| Unified School District | Derby School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $16,212.00 (+41.68%) | $421,750 (+59.22%) Land $56,140 Building $365,610 | $508,015 (+173.99%) |
| 2025 | $11,443.00 | $264,880 Land $54,480 Building $210,400 | $185,416 Land $38,136 Building $147,280 |
| 2024 | $11,443.00 (+11.92%) | ||
| 2023 | $10,224.00 | $264,880 (-) Land $54,530 Building $210,350 | |
| 2022 | $10,224.00 | $264,880 Land $54,530 Building $210,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Frank Gates 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.
The area around 4 Frank Gates Ln 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 | REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| 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 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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