45 Cedar Spring Rd, Milford, CT 06460 Property Records

Milford City property record for 45 Cedar Spring Rd, Milford, CT 06460

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,236 sqft · built 1956
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$535,000 (Nov 2023)
Tax Bill	$6,875 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Feb 2023 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`16162`

Property Details

APN / Parcel Number

Primary APN	`16162`
Alternative APNs	`M:00092 B:00706 L:000023` `MILF M:92 B:706 L:23` `MLFD M:92 B:706 L:23`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Gross Area	2,868 sqft
1st Floor Area	1,236 sqft
Basement Area	1,008 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	16162
Street Address	45 CEDAR SPRING RD
City	MILFORD
State	CT
Zip	06460-7031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12.
Legal Block	706
Legal Lot Number	23
Jurisdiction	MILFORD CT
Township / Civil Division	MILFORD
Census Block Group	2
Census Block	2008
Census Tract	151200

Owner

45 Cedar Spring Rd is owned and occupied by an individual who bought it in November 2023.

Source: Milford City records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
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
Apr 29, 2025	Deed of Trust, Mortgage · Line of Credit AMERIHOME MORTGAGE COMPANY LLC
Feb 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance DAVID J RUFO SR
Aug 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Nov 27, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage PRIMELENDING
Jan 25, 2018	Warranty Deed, Transfer · FHA Mortgage NORWICH COM'L
Jun 27, 2017	Quit Claim Deed, Transfer Quitclaim
Jun 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2023 · Amount on File
Deed Sale	Nov 27, 2023 · Amount on File
Prior Sale	Jan 25, 2018 · Amount on File
Deed Document Number	20236908
Deed Book / Page	4081 / 161
Transfer Doc	0003738-58
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004134-469
Date	Apr 29, 2025
Book Page	4134/469
Instrument	2110

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004049-757
Date	Feb 13, 2023
Book Page	4049/757
Instrument	786

Lender

Name	DAVID J RUFO SR

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Mar 1, 2028

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004107-339
Date	Aug 20, 2024
Book Page	4107/339
Instrument	4913

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD CT
Recording Date	Nov 27, 2023
Property Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
Document Number	004081-161
Book / Page	4081 / 161
Instrument Date	Nov 22, 2023
Instrument	6908
Transaction Type	Transfer
Record Updated	Nov 20, 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

Mortgage

Document Number	0000006909
Date	Nov 27, 2023
Instrument	6909

Lender

Name	PRIMELENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD CT
Recording Date	Jan 25, 2018
Property Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
Document Number	3766-365
Book / Page	003766 / 000365
Instrument Date	Jan 20, 2018
Instrument	587597
Transaction Type	Transfer
Record Updated	Feb 13, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$203.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CEDAR SPRING RD MILFORD CT 064607031, MILFORD, CT 06460-7031

Mortgage

Document Number	3766-368
Date	Jan 25, 2018
Book Page	003766/000368
Instrument	587598

Lender

Name	NORWICH COM'L

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2048

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILFORD CT
Recording Date	Jun 27, 2017
Property Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
Document Number	3738-61
Book / Page	003738 / 000061
Instrument Date	Jun 23, 2017
Instrument	476709
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 CEDAR SPRING RD MILFORD CT 064607031, MILFORD, CT 06460-7031

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILFORD CT
Recording Date	Jun 27, 2017
Property Address	45 CEDAR SPRING RD, MILFORD, CT 06460-7031
Document Number	3738-58
Book / Page	003738 / 000058
Instrument Date	May 5, 2017
Instrument	476708
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 CEDAR SPRING RD MILFORD CT 064607031, MILFORD, CT 06460-7031

Tax Assessment & Valuation

The 2025 property tax bill for 45 Cedar Spring Rd was $6,875.

Source: Milford City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Consolidated City	Milford City
Unified School District	Milford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,875.00	$232,660 Land $109,870 Building $122,790	$332,371 Land $156,957 Building $175,414
2024	$6,875.00 (+8.76%)
2023	$6,321.00	$232,660 Land $109,870 Building $122,790

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 45 Cedar Spring Rd 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

Wildfire risk around 45 Cedar Spring 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 94% of the US · lower than 89% of Connecticut
Wildfire Likelihood	Under 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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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