Prospect Town property record for 45 Highland Dr, Prospect, CT 06712
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,716 sqft · built 1966 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $174,000 (Sep 1987) |
| Tax Bill | $7,228 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M0194800 |
| Primary APN | M0194800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,716 sqft Living Area |
| Gross Area | 3,432 sqft |
| Basement Area | 1,716 sqft |
| Unfinished Basement | 1,216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Septic |
| Account Number | M0194800 |
|---|---|
| Street Address | 45 HIGHLAND DR |
| City | PROSPECT |
| State | CT |
| Zip | 06712-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-1 |
| Legal Block | 62 |
| Legal Lot Number | 45 |
| Jurisdiction | PROSPECT CT |
| Township / Civil Division | PROSPECT |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 347200 |
Source: Prospect Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 HIGHLAND DR, PROSPECT, CT 06712-1110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Dec 21, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 1987 · Amount on Record |
| Deed Sale | Sep 16, 1987 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROSPECT CT |
| Recording Date | Aug 26, 2026 |
| Property Address | 45 HIGHLAND DR, PROSPECT, CT 06712-1110 |
| Document Number | 0000000867 |
| Book / Page | 939 / 1034 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 2026867 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 HIGHLAND DR, PROSPECT, CT 06712-1110 |
| Document Number | 0000000867, |
|---|---|
| Date | Aug 26, 2026 |
| Book Page | 939/1034 |
| Instrument | 2026867 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROSPECT CT |
| Property Address | 45 HIGHLAND DR, PROSPECT, CT 06712-1110 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 899-316 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 899/316 |
| Instrument | 1568 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROSPECT CT |
| Property Address | 45 HIGHLAND DR, PROSPECT, CT 06712-1110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 815-53 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 815/53 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Dec 1, 2041 |
Source: Prospect Town assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Prospect Town |
| Unified School District | Regional School District 16 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,228.00 (+11.34%) | $253,890 (-) Land $67,480 Building $186,410 | $377,373 (+112.34%) |
| 2025 | $6,492.00 | $253,890 (+50.71%) Land $67,480 Building $186,410 | $177,723 Land $47,236 Building $130,487 |
| 2024 | $6,492.00 (+20.74%) | ||
| 2023 | $5,377.00 (-0.09%) | $168,460 (-) Land $67,470 Building $100,990 | |
| 2022 | $5,382.00 | $168,460 Land $67,470 Building $100,990 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CTWC - NAUGATUCK REGION-CENTRAL SYSTEM private · serves 22,735 people · EPA ID CT0880011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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