40 Luke St, Prospect, CT 06712 Property Records

Prospect Town property record for 40 Luke St, Prospect, CT 06712

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,924 sqft · built 1988
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Aug 2018)
Tax Bill	$10,853 (2026)
Deeds & Mortgages	Feb 2021 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L0163600`

Property Details

APN / Parcel Number

Primary APN	`L0163600`
Alternative APN	`PROS M:114 B:83 L:40`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,924 sqft Living Area
Basement Area	1,592 sqft
Unfinished Basement	1,418 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	148,104 sqft (3.4 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	L0163600
Street Address	40 LUKE ST
City	PROSPECT
State	CT
Zip	06712-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Block	83
Legal Lot Number	40
Jurisdiction	PROSPECT CT
Township / Civil Division	PROSPECT
Census Block Group	2
Census Block	2007
Census Tract	347100

Owner

Source: Prospect Town records, as of October 20, 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 Record
Mailing Address	40 LUKE ST, PROSPECT, CT 06712-1427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Balloon Mortgage MAGNOLIA BANK
May 10, 2017	Deed of Trust, Mortgage AMER BROADCAST EMPFCU
Aug 29, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2018 · Amount on Record
Deed Sale	Aug 29, 2018 · Amount on Record
Prior Sale	Jul 24, 1992 · Amount on Record
Deed Book / Page	826 / 211
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROSPECT CT
Property Address	40 LUKE ST, PROSPECT, CT 06712-1427
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	882-222
Date	Feb 18, 2021
Book Page	882/222
Instrument	313

Lender

Name	MAGNOLIA BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROSPECT CT
Property Address	40 LUKE ST, PROSPECT, CT 06712-1427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	803-47
Date	May 10, 2017
Book Page	803/47

Lender

Name	AMER BROADCAST EMPFCU

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 1, 2032

Interest

Rate	2.25%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROSPECT CT
Recording Date	Aug 29, 2018
Property Address	40 LUKE ST, PROSPECT, CT 06712-1427
Document Number	826-211
Book / Page	000826 / 000211
Instrument Date	Aug 27, 2018
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 FOREST LN WOLCOTT CT 067162801, WOLCOTT, CT 06716-2801

Mortgage

Document Number	826-213
Date	Aug 29, 2018
Book Page	000826/000213

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Prospect Town assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Prospect Town
Unified School District	Regional School District 16 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,853.00 (+11.34%)	$381,220 (-) Land $124,530 Building $256,690	$627,010 (+134.96%)
2025	$9,748.00	$381,220 (+43.11%) Land $124,530 Building $256,690	$266,854 Land $87,171 Building $179,683
2024	$9,748.00 (+14.64%)
2023	$8,503.00 (-0.09%)	$266,390 (-) Land $124,520 Building $141,870
2022	$8,511.00	$266,390 Land $124,520 Building $141,870

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Luke St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures