Waterford Town property record for 44 Niantic River Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,960 sqft · built 1989 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Feb 2018) |
| Tax Bill | $18,047 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | WATE M:149 L:5075 |
| Primary APN | WATE M:149 L:5075 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Living Area |
| Gross Area | 5,766 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 41,818 sqft (0.96 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 465000 |
|---|---|
| Street Address | 44 NIANTIC RIVER RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-2531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20W |
| Legal Lot Number | 5075 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 693300 |
44 Niantic River Rd is owned and occupied by an individual who bought it in February 2018.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 44 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| 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.
| Date | Document |
|---|---|
| Nov 4, 2020 | Deed of Trust, Mortgage · Balloon Mortgage DIME BANK |
| Feb 26, 2018 | Warranty Deed, Transfer DIME BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2018 · Amount on File |
| Deed Sale | Feb 26, 2018 · Amount on File |
| Deed Book / Page | 1543 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 44 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1676-104 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 1676/104 |
| Instrument | 157119 |
| Name | DIME BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Feb 26, 2018 |
| Property Address | 44 NIANTIC RIVER RD, WATERFORD, CT 06385-2531 |
| Document Number | 1543-163 |
| Book / Page | 1543 / 163 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115.55 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 15430167 |
|---|---|
| Date | Feb 26, 2018 |
| Instrument | 01543/0167 |
| Name | DIME BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 26, 2048 |
The 2026 property tax bill for 44 Niantic River Rd was $18,047, up 5% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $18,047.00 (+4.96%) | $735,400 (-0.09%) Land $493,170 Building $242,230 | $943,489 (+83.12%) |
| 2025 | $17,194.00 | $736,040 Land $493,170 Building $242,870 | $515,228 Land $345,219 Building $170,009 |
| 2024 | $17,194.00 (+16.43%) | ||
| 2023 | $14,768.00 | $696,610 Land $493,170 Building $203,440 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Niantic River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 44 Niantic River Rd 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERFORD WPCA serves 16,578 people · EPA ID CT1520071 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 191 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 / 2,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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