4 Stephen St, Derby, CT 06418 Property Records

Derby City property record for 4 Stephen St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,150 sqft · built 1968
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Sep 2020)
Tax Bill	$5,927 (2025)
Deeds & Mortgages	Nov 2022 Refinance May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:6 B:6 L:57`

Property Details

APN / Parcel Number

Primary APN	`DERB M:6 B:6 L:57`
Alternative APNs	`001861` `7730` `1861`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,150 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	1,150 sqft
Basement Area	1,150 sqft
Unfinished Basement	1,150 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	1861
Street Address	4 STEPHEN ST
City	DERBY
State	CT
Zip	06418-2125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	6
Legal Lot Number	57
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	3
Census Block	3001
Census Tract	120100

Owner

Source: Derby City assessment roll, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4 STEPHEN ST, DERBY, CT 06418-2125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SIKORSKY FINANCIAL CREDIT UNION INC
May 31, 2019	Deed of Trust, Mortgage · Balloon Mortgage CONNEX CU
Sep 10, 2020	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 10, 2020 · Amount on Record
Deed Sale	Sep 10, 2020 · Amount on Record
Prior Sale	Aug 28, 2015 · Amount on Record
Deed Document Number	20201185
Deed Book / Page	826 / 52
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	4 STEPHEN ST, DERBY, CT 06418-2125
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000895-247
Date	Nov 21, 2022
Book Page	895/247
Instrument	1854

Lender

Name	SIKORSKY FINANCIAL CREDIT UNION INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2042

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	4 STEPHEN ST, DERBY, CT 06418-2125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	798-281
Date	May 31, 2019
Book Page	798/281

Lender

Name	CONNEX CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Sep 10, 2020
Property Address	4 STEPHEN ST, DERBY, CT 06418-2125
Document Number	826-52
Book / Page	000826 / 000052
Instrument Date	Aug 27, 2020
Instrument	1185
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Tax	$265.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 STEPHEN ST DERBY CT 064182125, DERBY, CT 06418-2125

Tax Assessment & Valuation

Source: Derby City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Derby City
Unified School District	Derby School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,927.00	$137,200 (-) Land $37,500 Building $99,700	$96,040 Land $26,250 Building $69,790
2024	$5,927.00 (+11.91%)
2023	$5,296.00	$137,200 (-) Land $37,520 Building $99,680
2022	$5,296.00	$137,200 Land $37,520 Building $99,680

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 92% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 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

May also be available: T-Mobile.

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