North Branford Town property record for 45 Berncliff Dr, Northford, CT 06472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,252 sqft · built 1964 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Jan 1997) |
| Tax Bill | $8,686 (2026) |
| Deeds & Mortgages | May 2021 Refinance Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | NBRA M:81 B:98 |
| Primary APN | NBRA M:81 B:98 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,252 sqft Living Area |
| Gross Area | 3,672 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,946 sqft (0.94 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3404 |
|---|---|
| Street Address | 45 BERNCLIFF DR |
| City | NORTHFORD |
| State | CT |
| Zip | 06472-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Block | 98 |
| Jurisdiction | NORTH BRANFORD CT |
| Township / Civil Division | NORTH BRANFORD |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 186200 |
45 Berncliff Dr is owned and occupied by two individuals who bought it in January 1997.
Source: North 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 BERNCLIFF DR, NORTHFORD, CT 06472-1110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| May 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SOFI LENDING CORP |
| Aug 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SIKORSKY FINANCIAL CREDIT UNION INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 1997 · Amount on File |
| Deed Sale | Jan 6, 1997 · Amount on File |
| Deed Book / Page | 257 / 481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH BRANFORD CT |
| Property Address | 45 BERNCLIFF DR, NORTHFORD, CT 06472-1110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000525-608 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 525/608 |
| Name | SOFI LENDING CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH BRANFORD CT |
| Property Address | 45 BERNCLIFF DR, NORTHFORD, CT 06472-1110 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 528-1123 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 528/1123 |
| Name | SIKORSKY FINANCIAL CREDIT UNION INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
The 2026 property tax bill for 45 Berncliff Dr was $8,686, up 4.3% from the year before.
Source: North Branford Town assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | North Branford Town |
| Unified School District | North Branford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,686.00 (+4.35%) | $301,500 (-) Land $121,300 Building $180,200 | $457,314 (+116.69%) |
| 2025 | $8,324.00 | $301,500 Land $121,300 Building $180,200 | $211,050 Land $84,910 Building $126,140 |
| 2024 | $8,324.00 (+27.73%) | ||
| 2023 | $6,517.00 | $188,800 Land $101,100 Building $87,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Berncliff Dr in Zone X, an area of minimal flood risk.
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 risk around 45 Berncliff Dr 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 80% of the US · above 55% 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.
Source: FCC Broadband Data Collection, based on 104 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 |
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