4 Stone St, Waterford, CT 06385 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,111 sqft · built 2019
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$302,000 (Jun 2020)
Tax Bill	$8,081 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage May 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`WATE M:116 L:7898`

Property Details

APN / Parcel Number

Primary APN	`WATE M:116 L:7898`
Alternative APNs	`WFRD M:116 L:7898` `0736300` `736300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,111 sqft Living Area
Gross Area	3,064 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Shingle
Lot Area	41,818 sqft (0.96 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	736300
Street Address	4 STONE ST
City	WATERFORD
State	CT
Zip	06385-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	7898
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2017
Census Tract	693300

Owner

4 Stone St is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 STONE ST, WATERFORD, CT 06385-1524
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
Feb 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARRINGTON MTG SVCS L
May 1, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CARRINGTON MORTGAGE SERVICES LLC
Jun 12, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 18, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 12, 2020	Warranty Deed, Transfer UNKNOWN
Oct 6, 2017	Committee Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2020 · Amount on File
Deed Sale	Jun 12, 2020 · Amount on File
Prior Sale	Mar 18, 2020 · Amount on File
Deed Document Number	2020154969
Deed Book / Page	1649 / 232
Transfer Doc	001532-200
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	4 STONE ST, WATERFORD, CT 06385-1524
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001888-78
Date	Feb 20, 2026
Book Page	1888/78
Instrument	180858

Lender

Name	CARRINGTON MTG SVCS L

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2046

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	4 STONE ST, WATERFORD, CT 06385-1524
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001878-25
Date	May 1, 2025
Book Page	1878/25
Instrument	177718

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	4 STONE ST, WATERFORD, CT 06385-1524
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001649-234
Date	Jun 12, 2020
Book Page	1649/234
Instrument	154970

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Mar 18, 2020
Property Address	4 STONE ST, WATERFORD, CT 06385-1524
Document Number	001637-280
Book / Page	1637 / 280
Instrument Date	Mar 16, 2020
Instrument	153933
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5982 WINDY POINT CT # 2, 2, BREMERTON, WA 98312-1947

Mortgage

Document Number	0000153935
Date	Mar 18, 2020
Instrument	153935

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Jun 12, 2020
Property Address	4 STONE ST, WATERFORD, CT 06385-1524
Document Number	1649-232
Book / Page	001649 / 000232
Instrument Date	Mar 9, 2020
Instrument	154969
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Tax	$302.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 STONE ST WATERFORD CT 063851524, WATERFORD, CT 06385-1524

October 2017: Committee Deed, Foreclosure

Document Type	Committee Deed
Jurisdiction	WATERFORD CT
Recording Date	Oct 6, 2017
Property Address	4 STONE ST, WATERFORD, CT 06385-1524
Document Number	1528-216
Book / Page	001528 / 000216
Instrument Date	Aug 22, 2017
Transaction Type	Foreclosure
Record Updated	Nov 21, 2017

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4 STONE ST WATERFORD CT 063851524, WATERFORD, CT 06385-1524

Tax Assessment & Valuation

The 2026 property tax bill for 4 Stone St was $8,081, up 6% 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	$8,081.00 (+5.98%)	$329,300 (+0.89%) Land $84,320 Building $244,980	$706,640 (+209.28%)
2025	$7,625.00	$326,400 Land $84,320 Building $242,080	$228,480 Land $59,024 Building $169,456
2024	$7,625.00 (+10.83%)
2023	$6,880.00	$324,510 Land $84,320 Building $240,190

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

Flood

FEMA maps place 4 Stone 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.

Wildfire

Wildfire risk around 4 Stone 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 94% of the US · lower than 90% 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	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 116 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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