40 Oak St, Norwich, CT 06360 Property Records

Norwich City property record for 40 Oak St, Norwich, CT 06360

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,679 sqft · built 1910
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (May 2022)
Tax Bill	$5,706 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NORW M:102 B:4 L:28`

Property Details

APN / Parcel Number

Primary APN	`NORW M:102 B:4 L:28`
Alternative APNs	`NWCH M:102 B:4 L:28` `0109300001` `109300001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,679 sqft Living Area
Gross Area	2,799 sqft
1st Floor Area	941 sqft
Basement Area	878 sqft
Unfinished Basement	878 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	109300001
Street Address	40 OAK ST
City	NORWICH
State	CT
Zip	06360-5122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF
Legal Block	4
Legal Lot Number	28
Jurisdiction	NORWICH CT
Township / Civil Division	NORWICH
Census Block Group	3
Census Block	3001
Census Tract	696800

Owner

40 Oak St is owned and occupied by an individual who bought it in May 2022.

Source: Norwich City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	40 OAK ST, NORWICH, CT 06360-5122
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
May 18, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 16, 2021	Warranty Deed, Transfer
Apr 2, 2018	Warranty Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2022 · Amount on File
Deed Sale	May 18, 2022 · Amount on File
Prior Sale	Apr 2, 2018 · Amount on File
Deed Document Number	20222022002328
Deed Book / Page	3343 / 216
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORWICH CT
Recording Date	May 18, 2022
Property Address	40 OAK ST, NORWICH, CT 06360-5122
Document Number	003343-216
Book / Page	3343 / 216
Instrument Date	May 16, 2022
Instrument	2022002328
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount 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

Mortgage

Document Number	2022002329
Date	May 18, 2022
Instrument	2022002329

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	003343-235
Date	May 18, 2022
Book Page	3343/235
Instrument	2022002330

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	37 Months
Due	Jun 1, 2025

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORWICH CT
Recording Date	Dec 16, 2021
Property Address	40 OAK ST, NORWICH, CT 06360-5122
Document Number	003306-272
Book / Page	3306 / 272
Instrument Date	Nov 1, 2021
Instrument	2021006360
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 110E, 110E, OKLAHOMA CITY, OK 73106-6100
Investor	Possibly a Property Investor

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORWICH CT
Recording Date	Apr 2, 2018
Property Address	40 OAK ST, NORWICH, CT 06360-5122
Document Number	003062-253
Book / Page	3062 / 253
Instrument	2018001288
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030620254
Date	Apr 2, 2018
Instrument	03062/0254

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 40 Oak St was $5,706, down 15.6% from the year before.

Source: Norwich City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Norwich City
Unified School District	Norwich School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,706.00 (-15.63%)	$167,100 (-) Land $24,800 Building $142,300	$292,079 (+149.7%)
2025	$6,763.00	$167,100 Land $24,800 Building $142,300	$116,970 Land $17,360 Building $99,610
2024	$6,763.00 (+31.68%)
2023	$5,136.00 (+0.33%)	$105,600 (-) Land $17,600 Building $88,000
2022	$5,119.00	$105,600 Land $17,600 Building $88,000

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

Flood

FEMA maps place 40 Oak 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 40 Oak St is low, with 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	NORWICH PUBLIC UTILITIES serves 36,163 people · EPA ID CT1040011
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018 Haloacetic acids not recorded as resolved · Feb 2018
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 590 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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