40 Prospect St, Colchester, CT 06415 Property Records

Colchester Town property record for 40 Prospect St, Colchester, CT 06415

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,193 sqft · built 1985
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Sep 2023)
Tax Bill	$5,332 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C0049200`

Property Details

APN / Parcel Number

Primary APN	`C0049200`
Alternative APN	`COLC M:018 B:000 L:052-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,193 sqft Living Area
1st Floor Area	1,193 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	C0049200
Street Address	40 PROSPECT ST
City	COLCHESTER
State	CT
Zip	06415-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Lot Number	52-0
Jurisdiction	COLCHESTER CT
Township / Civil Division	COLCHESTER
Census Block Group	3
Census Block	3010
Census Tract	714101

Owner

Source: Colchester Town records, as of June 25, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	40 PROSPECT ST, COLCHESTER, CT 06415-1407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Deed of Trust, Mortgage · Line of Credit CONNECTICUT HOUSING FINANCE AUTHORITY
Sep 8, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST WORLD MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Prior Sale	Jun 7, 2016 · Amount on Record
Deed Book / Page	1535 / 34
Transfer Doc	1220-234
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLCHESTER CT
Property Address	40 PROSPECT ST, COLCHESTER, CT 06415-1407
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001535-58
Date	Sep 8, 2023
Book Page	1535/58

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLCHESTER CT
Recording Date	Sep 8, 2023
Property Address	40 PROSPECT ST, COLCHESTER, CT 06415-1407
Document Number	0001535-34
Book / Page	1535 / 34
Instrument Date	Sep 7, 2023
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

Mortgage

Document Number	0000153537
Date	Sep 8, 2023
Instrument	1535/37

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0001535-54
Date	Sep 8, 2023
Book Page	1535/54

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,332.00	$178,200 (-) Land $38,700 Building $139,500	$124,740 Land $27,090 Building $97,650
2024	$5,332.00 (+9.92%)
2023	$4,851.00 (+0.52%)	$178,200 (-) Land $38,700 Building $139,500
2022	$4,826.00	$178,200 Land $38,700 Building $139,500

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
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	0.01% annual chance
Exposure	None beyond 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	COLCHESTER SEWER & WATER COMMISSION serves 4,020 people · EPA ID CT0280011
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 100 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

May also be available: T-Mobile, Verizon.

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