46 Elder St, Milford, CT 06460 Property Records

Milford City property record for 46 Elder St, Milford, CT 06460

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,364 sqft · built 1930
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Feb 1996)
Tax Bill	$8,837 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MILF M:35 B:424 L:5`

Property Details

APN / Parcel Number

Primary APN	`MILF M:35 B:424 L:5`
Alternative APNs	`M:00035 B:00424 L:000005` `MLFD M:35 B:424 L:5` `5365`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,364 sqft Living Area
Gross Area	3,460 sqft
1st Floor Area	1,320 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5365
Street Address	46 ELDER ST
City	MILFORD
State	CT
Zip	06460-6464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7.5
Legal Block	424
Legal Lot Number	5
Jurisdiction	MILFORD CT
Township / Civil Division	MILFORD
Census Block Group	2
Census Block	2026
Census Tract	150100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	46 ELDER ST, MILFORD, CT 06460-6464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · ARM JET DIRECT FUNDING
Dec 4, 2020	Deed of Trust, Mortgage · ARM JET DIRECT FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 1996 · Amount on Record
Deed Sale	Feb 1, 1996 · Amount on Record
Deed Book / Page	2156 / 649
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	46 ELDER ST, MILFORD, CT 06460-6464
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003977-508
Date	Oct 1, 2021
Book Page	3977/508

Lender

Name	JET DIRECT FUNDING

Agreement

Type	ARM
Amount	Amount Recorded
Term	829 Months
Due	Nov 1, 2090

Interest

Rate Type	Adjustable Rate
Rate	1.83%
Type Change Date	Oct 1, 2021
Index	Other

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	46 ELDER ST, MILFORD, CT 06460-6464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3912-239
Date	Dec 4, 2020
Book Page	3912/239

Lender

Name	JET DIRECT FUNDING

Agreement

Type	ARM
Amount	Amount Recorded
Term	841 Months
Due	Jan 1, 2091

Interest

Rate Type	Adjustable Rate
Rate	3.58%
Type Change Date	Jul 1, 2021
Index	Other

Tax Assessment & Valuation

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	$8,837.00	$299,040 (-) Land $137,490 Building $161,550	$427,200 Land $196,414 Building $230,786
2024	$8,837.00 (+8.76%)
2023	$8,125.00	$299,040 Land $137,490 Building $161,550

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 January 25, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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	Not rated no burnable land within ember reach

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 475 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

Cell Coverage

5G (outdoors only) and 4G LTE

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