44 Flat Rock Rd, Branford, CT 06405 Property Records

Branford Town property record for 44 Flat Rock Rd, Branford, CT 06405

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,970 sqft · built 1950
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on File
Last Sale	$332,500 (Nov 2010)
Tax Bill	$11,330 (2026)
Deeds & Mortgages	Jun 2022 Refinance Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BRAN M:J06-000 B:003 L:00014`

Property Details

APN / Parcel Number

Primary APN	`BRAN M:J06-000 B:003 L:00014`
Alternative APNs	`J06 000/003 00014` `8700`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,970 sqft Living Area
Gross Area	6,359 sqft
Basement Area	1,279 sqft
Unfinished Basement	1,279 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	8700
Street Address	44 FLAT ROCK RD
City	BRANFORD
State	CT
Zip	06405-3347
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R5
Legal Block	3
Legal Lot Number	14
Jurisdiction	BRANFORD CT
Township / Civil Division	BRANFORD
Census Block Group	5
Census Block	5005
Census Tract	184101

Owner

Source: Branford Town records, as of October 20, 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	44 FLAT ROCK RD, BRANFORD, CT 06405-3347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSPOINT FEDERAL CREDIT UNION
Nov 18, 2019	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Oct 15, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2010 · Amount on File
Deed Sale	Nov 23, 2010 · Amount on File
Deed Book / Page	1071 / 168
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	44 FLAT ROCK RD, BRANFORD, CT 06405-3347
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001347-788
Date	Jun 14, 2022
Book Page	1347/788

Lender

Name	CROSSPOINT FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2037

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	44 FLAT ROCK RD, BRANFORD, CT 06405-3347
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1271-963
Date	Nov 18, 2019
Book Page	1271/963
Instrument	3023270013

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	44 FLAT ROCK RD, BRANFORD, CT 06405-3347
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1294-236
Date	Oct 15, 2020
Book Page	1294/236
Instrument	3156030013

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,330.00 (+3.55%)	$511,300 (-) Land $120,900 Building $390,400	$700,788 (+95.8%)
2025	$10,942.00	$511,300 (+84.25%) Land $120,900 Building $390,400	$357,910 Land $84,630 Building $273,280
2024	$10,942.00 (+31.93%)
2023	$8,294.00 (+1.49%)	$277,500 (-) Land $105,400 Building $172,100
2022	$8,172.00	$277,500 Land $105,400 Building $172,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 25, 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	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 133 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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