45 Pepperidge Tree Rd, Watertown, CT 06795 Property Records

Watertown Town property record for 45 Pepperidge Tree Rd, Watertown, CT 06795

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,984 sqft · built 1962
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Dec 2024)
Tax Bill	$9,622 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2024 Sale + 2 more
APN	`WATE M:87 B:10B L:15`

Property Details

APN / Parcel Number

Primary APN	`WATE M:87 B:10B L:15`
Alternative APNs	`WTWN M:87 B:10B L:15` `7428`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,984 sqft Living Area
Gross Area	4,518 sqft
1st Floor Area	2,008 sqft
Basement Area	1,176 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2007
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	7428
Street Address	45 PEPPERIDGE TREE RD
City	WATERTOWN
State	CT
Zip	06795-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	10B
Legal Lot Number	15
Jurisdiction	WATERTOWN CT
Township / Civil Division	WATERTOWN
Census Block Group	4
Census Block	4019
Census Tract	360200

Owner

45 Pepperidge Tree Rd is owned and occupied by an individual who bought it in December 2024.

Source: Watertown Town records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	45 PEPPERIDGE TREE RD, WATERTOWN, CT 06795-1804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit THOMASTON SAVINGS BANK
Dec 9, 2024	Warranty Deed, Transfer
May 18, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance THOMASTON SAVINGS BANK
Mar 22, 2022	Commissioner's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2024 · Amount on File
Deed Sale	Dec 9, 2024 · Amount on File
Prior Sale	Mar 22, 2022 · Amount on File
Deed Document Number	2024138883
Deed Book / Page	2340 / 309
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN CT
Property Address	45 PEPPERIDGE TREE RD, WATERTOWN, CT 06795-1804
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002384-71
Date	Feb 2, 2026
Book Page	2384/71
Instrument	142621

Lender

Name	THOMASTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERTOWN CT
Recording Date	Dec 9, 2024
Property Address	45 PEPPERIDGE TREE RD, WATERTOWN, CT 06795-1804
Document Number	002340-309
Book / Page	2340 / 309
Instrument Date	Dec 4, 2024
Instrument	138883
Transaction Type	Transfer
Record Updated	Dec 26, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN CT
Property Address	45 PEPPERIDGE TREE RD, WATERTOWN, CT 06795-1804
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002287-89
Date	May 18, 2023
Book Page	2287/89
Instrument	134139

Lender

Name	THOMASTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

March 2022: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	WATERTOWN CT
Recording Date	Mar 22, 2022
Property Address	45 PEPPERIDGE TREE RD, WATERTOWN, CT 06795-1804
Document Number	002239-254
Book / Page	2239 / 254
Instrument Date	Feb 28, 2022
Instrument	129505
Transaction Type	Foreclosure
Record Updated	Jul 31, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 PAYNE DR, CHESHIRE, CT 06410-1718

Tax Assessment & Valuation

The 2025 property tax bill for 45 Pepperidge Tree Rd was $9,622.

Source: Watertown Town assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,622.00	$320,320 Land $51,380 Building $268,940	$224,224 Land $35,966 Building $188,258
2024	$9,622.00 (+16.38%)
2023	$8,268.00 (+8.55%)	$224,300 (+2.89%) Land $51,600 Building $172,700
2022	$7,617.00	$218,000 Land $51,600 Building $166,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 45 Pepperidge Tree Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 45 Pepperidge Tree Rd is low, with 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 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	WATERTOWN FIRE DISTRICT serves 6,718 people · EPA ID CT1530011
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 216 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
GoNetspeed Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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