Waterford Town property record for 40 Niantic River Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,436 sqft · built 1977 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $780,000 (Jul 2020) |
| Tax Bill | $19,092 (2026) |
| Deeds & Mortgages | Aug 2025 Line of Credit Jul 2025 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | WATE M:149 L:5073 |
| Primary APN | WATE M:149 L:5073 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,436 sqft Living Area |
| Gross Area | 5,200 sqft |
| Basement Area | 464 sqft |
| Unfinished Basement | 464 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 26,572 sqft (0.61 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 464800 |
|---|---|
| Street Address | 40 NIANTIC RIVER RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-2531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20W |
| Legal Lot Number | 5073 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 693300 |
40 Niantic River Rd is owned and occupied by two individuals who acquired it in July 2025.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 28, 2025 | Deed of Trust, Mortgage · Line of Credit CHARTER OAK FCU |
| Jul 25, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Jul 9, 2020 | Warranty Deed, Transfer UNKNOWN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2020 · Amount on File |
| Deed Sale | Jul 9, 2020 · Amount on File |
| Prior Sale | Nov 5, 2009 · Amount on File |
| Deed Document Number | 2020155386 |
| Deed Book / Page | 1654 / 257 |
| Last Transfer Date | Jul 24, 2025 |
| Transfer Doc | 001880-731 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 40 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001882-330 |
|---|---|
| Date | Aug 28, 2025 |
| Book Page | 1882/330 |
| Instrument | 179213 |
| Name | CHARTER OAK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Jul 25, 2025 |
| Property Address | 40 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Document Number | 001880-731 |
| Book / Page | 1880 / 731 |
| Instrument Date | Jul 24, 2025 |
| Instrument | 178462 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 40 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Jul 9, 2020 |
| Property Address | 40 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Document Number | 1654-257 |
| Book / Page | 001654 / 000257 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 155386 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2020 |
| Title Company | UNKNOWN |
| Amount | Amount on Record |
|---|---|
| Tax | $780.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3 SMITH ST NIANTIC CT 06357, NIANTIC, CT 06357 |
The 2026 property tax bill for 40 Niantic River Rd was $19,092, up 6.9% 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 | $19,092.00 (+6.87%) | $777,990 (+1.73%) Land $449,870 Building $328,120 | $1,241,347 (+131.88%) |
| 2025 | $17,865.00 | $764,760 Land $449,870 Building $314,890 | $535,332 Land $314,909 Building $220,423 |
| 2024 | $17,865.00 (+20.92%) | ||
| 2023 | $14,774.00 | $696,900 Land $449,870 Building $247,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Niantic River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 40 Niantic River Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 191 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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