40 Spruce St, West Haven, CT 06516 Property Records

West Haven City property record for 40 Spruce St, West Haven, CT 06516

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,701 sqft · built 2008
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$259,000 (Nov 2019)
Tax Bill	$10,385 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22765`

Property Details

APN / Parcel Number

Primary APN	`22765`
Alternative APN	`WHAV M:0065 B:041A L:0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,701 sqft Living Area
Gross Area	4,397 sqft
1st Floor Area	1,701 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	22765
Street Address	40 SPRUCE ST
City	WEST HAVEN
State	CT
Zip	06516-1248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	41A
Jurisdiction	WEST HAVEN CT
Township / Civil Division	WEST HAVEN
Census Block Group	2
Census Block	2003
Census Tract	154101

Owner

40 Spruce St is owned and occupied by an individual who bought it in November 2019.

Source: West Haven City records, as of September 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	40 SPRUCE ST, WEST HAVEN, CT 06516-1248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN EAGLE FCU
Apr 6, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 6, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 6, 2019	Warranty Deed, Transfer · FHA Mortgage FIRST WORLD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2019 · Amount on File
Deed Sale	Nov 5, 2019 · Amount on File
Prior Sale	Oct 16, 2009 · Amount on File
Deed Book / Page	1851 / 746
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST HAVEN CT
Property Address	40 SPRUCE ST, WEST HAVEN, CT 06516-1248
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001944-225
Date	Jul 6, 2022
Book Page	1944/225

Lender

Name	AMERICAN EAGLE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST HAVEN CT
Property Address	40 SPRUCE ST, WEST HAVEN, CT 06516-1248
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001935-671
Date	Apr 6, 2022
Book Page	1935/671

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST HAVEN CT
Property Address	40 SPRUCE ST, WEST HAVEN, CT 06516-1248
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001906-276
Date	Jul 6, 2021
Book Page	1906/276

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Aug 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST HAVEN CT
Recording Date	Nov 6, 2019
Property Address	40 SPRUCE ST, WEST HAVEN, CT 06516-1248
Document Number	1851-746
Book / Page	001851 / 000746
Instrument Date	Oct 22, 2019
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SPRUCE ST WEST HAVEN CT 065161248, WEST HAVEN, CT 06516-1248

Mortgage

Document Number	1851-749
Date	Nov 6, 2019
Book Page	001851/000749

Lender

Name	FIRST WORLD MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 40 Spruce St was $10,385.

Source: West Haven City assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,385.00	$305,340 Land $65,380 Building $239,960	$436,200 Land $93,400 Building $342,800
2024	$10,385.00 (+5.97%)
2023	$9,800.00 (+1.78%)	$211,120 (-) Land $45,290 Building $165,830
2022	$9,629.00	$211,120 Land $45,290 Building $165,830

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

Flood

FEMA maps place 40 Spruce 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 Spruce 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	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 428 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures