46 Flat Rock Rd, Branford, CT 06405 Property Records

Branford Town property record for 46 Flat Rock Rd, Branford, CT 06405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,337 sqft · built 1986
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$299,250 (Jul 2019)
Tax Bill	$7,756 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BRAN M:J06-000 B:003 L:014.2`

Property Details

APN / Parcel Number

Primary APN	`BRAN M:J06-000 B:003 L:014.2`
Alternative APNs	`J06 000/003 014.2` `11350`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,337 sqft Living Area
Gross Area	4,775 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	11350
Street Address	46 FLAT ROCK RD
City	BRANFORD
State	CT
Zip	06405-3347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	3
Legal Lot Number	14.2
Jurisdiction	BRANFORD CT
Township / Civil Division	BRANFORD
Census Block Group	1
Census Block	1001
Census Tract	184600

Owner

46 Flat Rock Rd is owned and occupied by an individual who bought it in July 2019.

Source: Branford Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	46 FLAT ROCK RD, BRANFORD, CT 06405-3347
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
Jun 9, 2021	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Jan 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Jul 3, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 3, 2018	Foreclosure, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Prior Sale	Apr 22, 1999 · Amount on File
Deed Document Number	20192958360004
Deed Book / Page	1264 / 116
Prior Transfer Date	Nov 29, 2018
Prior Transfer Doc	1252-675
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	46 FLAT ROCK RD, BRANFORD, CT 06405-3347
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001317-571
Date	Jun 9, 2021
Book Page	1317/571
Instrument	3244490020

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jun 1, 2031
Index	Other

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	46 FLAT ROCK RD, BRANFORD, CT 06405-3347
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1275-194
Date	Jan 17, 2020
Book Page	1275/194
Instrument	3056240010

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANFORD CT
Recording Date	Jul 3, 2019
Property Address	46 FLAT ROCK RD, BRANFORD, CT 06405-3347
Document Number	1264-116
Book / Page	1264 / 116
Instrument Date	Jun 21, 2019
Instrument	2958360004
Transaction Type	Transfer
Record Updated	May 21, 2021

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	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 N CHESTNUT ST, BRANFORD, CT 06405-2732

Mortgage

Document Number	2958370010
Date	Jul 3, 2019
Instrument	2958370010

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2018: Foreclosure, Transfer

Document Type	Foreclosure
Jurisdiction	BRANFORD CT
Recording Date	Dec 3, 2018
Property Address	46 FLAT ROCK RD, BRANFORD, CT 06405-3347
Document Number	1252-675
Book / Page	001252 / 000675
Instrument Date	Nov 29, 2018
Instrument	2894410002
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Tax	$0.00
Additional	Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	46 FLAT ROCK RD BRANFORD CT 064053347, BRANFORD, CT 06405-3347

Tax Assessment & Valuation

The 2026 property tax bill for 46 Flat Rock Rd was $7,756, up 3.6% from the year before.

Source: Branford Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,756.00 (+3.55%)	$350,000 (-) Land $125,700 Building $224,300	$597,769 (+143.99%)
2025	$7,490.00	$350,000 Land $125,700 Building $224,300	$245,000 Land $87,990 Building $157,010
2024	$7,490.00 (-7.5%)
2023	$8,097.00 (+1.49%)	$270,900 (-) Land $109,900 Building $161,000
2022	$7,978.00	$270,900 Land $109,900 Building $161,000

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

Flood

FEMA maps place 46 Flat Rock 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 46 Flat Rock 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	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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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