Waterford Town property record for 40 3rd Ave, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,502 sqft · built 2008 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Jul 2013) |
| Tax Bill | $6,549 (2026) |
| Deeds & Mortgages | Sep 2024 Refinance Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:143 L:8217 |
| Primary APN | WATE M:143 L:8217 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,502 sqft Living Area |
| Gross Area | 3,196 sqft |
| Basement Area | 712 sqft |
| Unfinished Basement | 712 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 767900 |
|---|---|
| Street Address | 40 3RD AVE |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR-10 |
| Legal Lot Number | 8217 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 693300 |
40 3rd Ave is owned and occupied by two individuals who bought it in July 2013.
Source: Waterford Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 3RD AVE, WATERFORD, CT 06385-1821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 6, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CHELSEA GROTON BANK |
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHELSEA GROTON BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2013 · Amount on File |
| Deed Sale | Jul 5, 2013 · Amount on File |
| Prior Sale | Mar 27, 2008 · Amount on File |
| Deed Book / Page | 1318 / 43 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 40 3RD AVE, WATERFORD, CT 06385-1821 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001870-303 |
|---|---|
| Date | Sep 6, 2024 |
| Book Page | 1870/303 |
| Instrument | 175631 |
| Name | CHELSEA GROTON BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 40 3RD AVE, WATERFORD, CT 06385-1821 |
| Document Number | 1673-80 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | UNKNOWN |
| Name | Verified Name |
|---|---|
| Address | 40 3RD AVE WATERFORD CT 063851821, WATERFORD, CT 06385-1821 |
| Document Number | 1673-80 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 001673/000080 |
| Instrument | 156901 |
| Name | CHELSEA GROTON BK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 216 Months |
| Due | Oct 19, 2038 |
The 2026 property tax bill for 40 3rd Ave was $6,549, up 5.1% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,549.00 (+5.05%) | $266,860 (-) Land $106,730 Building $160,130 | $517,804 (+177.19%) |
| 2025 | $6,234.00 | $266,860 Land $106,730 Building $160,130 | $186,802 Land $74,711 Building $112,091 |
| 2024 | $6,234.00 (+10.2%) | ||
| 2023 | $5,657.00 | $266,860 Land $106,730 Building $160,130 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 3rd Ave 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 risk around 40 3rd Ave 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 97% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 266 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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