40 Bluff Rd, Gales Ferry, CT 06335 Property Records

Ledyard Town property record for 40 Bluff Rd, Gales Ferry, CT 06335

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,564 sqft · built 1906
Lot Size	0.22 acres (9,583 sqft)
Owner	Trust Name on Record
Last Sale	$489,000 (Nov 2022)
Tax Bill	$8,118 (2024)
Deeds & Mortgages	Mar 2024 Transfer Nov 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`46350`

Property Details

APN / Parcel Number

Primary APN	`46350`
Alternative APNs	`M:0090 B:0270 L:00040` `LEDY M:90 B:270 L:40`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,564 sqft Living Area
Gross Area	3,533 sqft
Basement Area	669 sqft
Unfinished Basement	669 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	46350
Street Address	40 BLUFF RD
City	GALES FERRY
State	CT
Zip	06335-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	270
Legal Lot Number	40
Jurisdiction	LEDYARD CT
Township / Civil Division	LEDYARD
Census Block Group	5
Census Block	5008
Census Tract	701200

Owner

Source: Ledyard Town records, as of October 21, 2026

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

Owner of Record	Trust Name on Record
Mailing Address	40 BLUFF RD, GALES FERRY, CT 06335-1405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Quit Claim Deed, Transfer Quitclaim
Nov 29, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CHELSEA GROTON BANK
Mar 3, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage JEANETTE M DOSTIE
Aug 25, 2017	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	Mar 3, 2020 · Amount on Record
Deed Document Number	20223096
Deed Book / Page	628 / 616
Last Transfer Date	Dec 1, 2023
Transfer Doc	000642-284
Record Updated	Oct 29, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEDYARD CT
Recording Date	Mar 11, 2024
Property Address	40 BLUFF RD, GALES FERRY, CT 06335-1405
Document Number	000642-284
Book / Page	642 / 284
Instrument Date	Dec 1, 2023
Instrument	2024000664
Transaction Type	Transfer
Record Updated	Jun 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	19 FARMS VILLAGE RD, SIMSBURY, CT 06070-2319

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEDYARD CT
Recording Date	Nov 29, 2022
Property Address	40 BLUFF RD, GALES FERRY, CT 06335-1405
Document Number	000628-616
Book / Page	628 / 616
Instrument Date	Nov 23, 2022
Instrument	2022003096
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 FARMS VILLAGE RD, SIMSBURY, CT 06070-2319

Mortgage

Document Number	2022003097
Date	Nov 29, 2022
Instrument	2022003097

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEDYARD CT
Recording Date	Mar 3, 2020
Property Address	40 BLUFF RD, GALES FERRY, CT 06335-1405
Document Number	584-811
Book / Page	584 / 811
Instrument Date	Mar 2, 2020
Instrument	2020000399
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 BLUFF RD, GALES FERRY, CT 06335-1405

Mortgage

Document Number	2020000400
Date	Mar 3, 2020
Instrument	2020000400

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEDYARD CT
Property Address	40 BLUFF RD, GALES FERRY, CT 06335-1405
Document Number	564-17
Instrument Date	Mar 6, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 BLUFF RD GALES FERRY CT 063351405, GALES FERRY, CT 06335-1405

Mortgage

Document Number	564-17
Date	Mar 16, 2018
Book Page	000564/000017
Instrument	425

Lender

Name	JEANETTE M DOSTIE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	LEDYARD CT
Recording Date	Aug 25, 2017
Property Address	40 BLUFF RD, GALES FERRY, CT 06335-1405
Document Number	558-608
Book / Page	000558 / 000608
Instrument Date	Aug 25, 2017
Instrument	2049
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Amount	Amount Recorded
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 732 WEST DOVER VT 053560732, WEST DOVER, VT 05356-0732

Tax Assessment & Valuation

Source: Ledyard Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Ledyard Town
Unified School District	Ledyard School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$218,590 (-) Land $87,690 Building $130,900	$153,013 Land $61,383 Building $91,630
2024	$8,118.00 (+7.47%)
2023	$7,554.00 (+2.18%)	$218,590 (-) Land $87,690 Building $130,900
2022	$7,393.00	$218,590 Land $87,690 Building $130,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 96% of the US · lower than 94% 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	LEDYARD WPCA, GALES FERRY SYSTEM serves 2,369 people · EPA ID CT0727051
Water Source	Purchased surface water from GROTON UTILITIES
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2025) 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Breezeline Cable	1,000 / 50

May also be available: Verizon.

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