405 Blacks Rd, Cheshire, CT 06410 Property Records

Cheshire Town property record for 405 Blacks Rd, Cheshire, CT 06410

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,515 sqft · built 1955
Lot Size	1.66 acres (72,310 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (May 2024)
Tax Bill	$10,460 (2026)
Deeds & Mortgages	Sep 2022 Refinance May 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CHES M:29 B:65 L`

Property Details

APN / Parcel Number

Primary APN	`CHES M:29 B:65 L`
Alternative APNs	`CSHR M:29 B:65 L` `168300`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,515 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	72,310 sqft (1.66 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	168300
Street Address	405 BLACKS RD
City	CHESHIRE
State	CT
Zip	06410-1869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	65
Jurisdiction	CHESHIRE CT
Township / Civil Division	CHESHIRE
Census Block Group	1
Census Block	1005
Census Tract	343101

Owner

405 Blacks Rd is owned and occupied by two individuals who bought it in May 2024.

Source: Cheshire Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 BLACKS RD, CHESHIRE, CT 06410-1869
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
Sep 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
May 28, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage MILFORD BANK
Dec 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO
Aug 12, 2019	Warranty Deed, Transfer · VA Mortgage HOMESERVICING LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2024 · Amount on File
Deed Sale	May 28, 2024 · Amount on File
Prior Sale	Dec 21, 2022 · Amount on File
Deed Document Number	20242024001666
Deed Book / Page	3223 / 276
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESHIRE CT
Property Address	405 BLACKS RD, CHESHIRE, CT 06410-1869
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003143-46
Date	Sep 6, 2022
Book Page	3143/46
Instrument	2022003297

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESHIRE CT
Recording Date	May 28, 2024
Property Address	405 BLACKS RD, CHESHIRE, CT 06410-1869
Document Number	003223-276
Book / Page	3223 / 276
Instrument Date	May 23, 2024
Instrument	2024001666
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants

Mortgage

Document Number	2024001667
Date	May 28, 2024
Instrument	2024001667

Lender

Name	MILFORD BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESHIRE CT
Recording Date	Dec 21, 2022
Property Address	405 BLACKS RD, CHESHIRE, CT 06410-1869
Document Number	003157-184
Book / Page	3157 / 184
Instrument Date	Dec 16, 2022
Instrument	2022004399
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount 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
Relationship	Joint Tenants

Mortgage

Document Number	2022004400
Date	Dec 21, 2022
Instrument	2022004400

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

Mortgage

Document Number	003157-201
Date	Dec 21, 2022
Book Page	3157/201
Instrument	2022004401

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESHIRE CT
Recording Date	Aug 12, 2019
Property Address	405 BLACKS RD, CHESHIRE, CT 06410-1869
Document Number	2909-221
Book / Page	002909 / 000221
Instrument Date	Aug 8, 2019
Instrument	2557
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 BLACKS RD CHESHIRE CT 064101869, CHESHIRE, CT 06410-1869

Mortgage

Document Number	2909-224
Date	Aug 12, 2019
Book Page	002909/000224
Instrument	2558

Lender

Name	HOMESERVICING LNDG LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 405 Blacks Rd was $10,460, up 5.4% from the year before.

Source: Cheshire Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,460.00 (+5.44%)	$333,550 (-) Land $81,480 Building $252,070	$603,446 (+158.45%)
2025	$9,920.00	$333,550 Land $81,480 Building $252,070	$233,485 Land $57,036 Building $176,449
2024	$9,920.00 (+43.54%)
2023	$6,911.00 (+2.23%)	$196,960 (-) Land $81,470 Building $115,490
2022	$6,760.00	$196,960 Land $81,470 Building $115,490

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 405 Blacks Rd 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 405 Blacks Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 86% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed, Verizon.

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