46 Bluff Rd, Gales Ferry, CT 06335 Property Records

Ledyard Town property record for 46 Bluff Rd, Gales Ferry, CT 06335

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,829 sqft · built 1906
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,806 (2026)
Deeds & Mortgages	May 2025 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`118061`

Property Details

APN / Parcel Number

Primary APN	`118061`
Alternative APNs	`M:0090 B:0270 L:00046` `LEDY M:90 B:270 L:46`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,829 sqft Living Area
Gross Area	3,193 sqft
Basement Area	1,004 sqft
Unfinished Basement	1,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	118061
Street Address	46 BLUFF RD
City	GALES FERRY
State	CT
Zip	06335-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	270
Legal Lot Number	46
Jurisdiction	LEDYARD CT
Township / Civil Division	LEDYARD
Census Block Group	5
Census Block	5008
Census Tract	701200

Owner

Source: Ledyard 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	46 BLUFF RD, GALES FERRY, CT 06335-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHARTER OAK FCU
Sep 13, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHARTER OAK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEDYARD CT
Property Address	46 BLUFF RD, GALES FERRY, CT 06335-1405
Transaction Type	Mortgage
Record Updated	Jul 30, 2025
Title Company	NONE AVILABALE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000654-890
Date	May 19, 2025
Book Page	654/890
Instrument	2025001037

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2035

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEDYARD CT
Property Address	46 BLUFF RD, GALES FERRY, CT 06335-1405
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	610-796
Date	Sep 13, 2021
Book Page	610/796
Instrument	2021002948

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	97 Months
Due	Oct 1, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,806.00 (+18.4%)	$302,807 (+70.57%) Land $93,307 Building $209,500	$367,269 (+195.55%)
2025	$6,593.00	$177,523 (-) Land $84,633 Building $92,890	$124,266 Land $59,243 Building $65,023
2024	$6,593.00 (+7.47%)
2023	$6,135.00 (+2.18%)	$177,523 (-) Land $84,633 Building $92,890
2022	$6,004.00	$177,523 Land $84,633 Building $92,890

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% 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	LEDYARD WPCA, GALES FERRY SYSTEM serves 2,369 people · EPA ID CT0727051
Water Source	Purchased surface water from GROTON UTILITIES
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2025) 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 168 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
Breezeline Cable	1,000 / 50

May also be available: Verizon.

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