Waterford Town property record for 40 Pepperbox Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,936 sqft · built 1999 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $87,500 (Jun 1998) |
| Tax Bill | $9,975 (2026) |
| Deeds & Mortgages | Apr 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:154 L:6184 |
| Primary APN | WATE M:154 L:6184 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,936 sqft Living Area |
| Gross Area | 5,974 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 46,609 sqft (1.07 acres) |
| Garage Type | Detached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 572903 |
|---|---|
| Street Address | 40 PEPPERBOX RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-3512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 |
| Legal Lot Number | 6184 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 693500 |
40 Pepperbox Rd is owned and occupied by two individuals who bought it in June 1998.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 PEPPERBOX RD, WATERFORD, CT 06385-3512 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 1998 · Amount on File |
| Deed Sale | Jun 26, 1998 · Amount on File |
| Deed Book / Page | 485 / 254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 40 PEPPERBOX RD, WATERFORD, CT 06385-3512 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 001773-190 |
|---|---|
| Date | Apr 5, 2022 |
| Book Page | 1773/190 |
| Instrument | 165635 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2026 property tax bill for 40 Pepperbox Rd was $9,975, up 5% 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 | $9,975.00 (+5.04%) | $406,490 (-) Land $100,900 Building $305,590 | $774,941 (+172.35%) |
| 2025 | $9,496.00 | $406,490 Land $100,900 Building $305,590 | $284,543 Land $70,630 Building $213,913 |
| 2024 | $9,496.00 (+10.19%) | ||
| 2023 | $8,618.00 | $406,490 Land $100,900 Building $305,590 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Pepperbox Rd 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 Pepperbox Rd 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 95% of the US · lower than 92% 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.
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 47 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 |
May also be available: T-Mobile.
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