40 Prospect St, Derby, CT 06418 Property Records

Derby City property record for 40 Prospect St, Derby, CT 06418

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 2,880 sqft · built 1900
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Sep 2023)
Tax Bill	$9,364 (2026)
Deeds & Mortgages	Sep 2023 Sale May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`DERB M:7 B:6 L:102`

Property Details

APN / Parcel Number

Primary APN	`DERB M:7 B:6 L:102`
Alternative APNs	`003203` `9002` `3203`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,880 sqft Living Area
1st Floor Area	2,880 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	11,761 sqft (0.27 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	3203
Street Address	40 PROSPECT ST
City	DERBY
State	CT
Zip	06418-2051
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R-5
Legal Subdivision	ALDEN HOUSE
Legal Block	6
Legal Lot Number	102
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	3
Census Block	3005
Census Tract	120100

Owner

40 Prospect St, a triplex, is owned by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	11 BETTSWOOD RD, NORWALK, CT 06851-5103
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
Sep 6, 2023	Warranty Deed, Transfer
May 6, 2021	Warranty Deed, Transfer · Stand-Alone Refinance FINANCE OF AMERICA COMMERCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	Dec 18, 2015 · Amount on File
Deed Document Number	20233124
Deed Book / Page	910 / 191
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Sep 6, 2023
Property Address	40 PROSPECT ST, DERBY, CT 06418-2051
Document Number	000910-191
Book / Page	910 / 191
Instrument Date	Aug 31, 2023
Instrument	3124
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 BETTSWOOD RD, NORWALK, CT 06851-5103

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	May 6, 2021
Property Address	40 PROSPECT ST, DERBY, CT 06418-2051
Document Number	847-248
Book / Page	847 / 248
Instrument Date	Apr 23, 2021
Instrument	885
Transaction Type	Transfer
Record Updated	May 20, 2021

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	35 MATT ST, DERBY, CT

Mortgage

Document Number	847-250
Date	May 6, 2021
Book Page	847/250
Instrument	886

Lender

Name	FINANCE OF AMERICA COMMERCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 40 Prospect St was $9,364, up 87.1% from the year before.

Source: Derby City assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,364.00 (+87.09%)	$243,600 (+110.27%) Land $23,380 Building $220,220
2025	$5,005.00	$115,850 Land $21,250 Building $94,600	$165,500 Land $30,357 Building $135,143
2024	$5,005.00 (+11.92%)
2023	$4,472.00	$115,850 (-) Land $21,210 Building $94,640
2022	$4,472.00	$115,850 Land $21,210 Building $94,640

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 40 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 40 Prospect St 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 98% of the US · lower than 97.2% of Connecticut
Wildfire Likelihood	Under 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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
Water Source	Surface water
Last State Inspection	Jun 2024
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	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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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