48 S Prospect St, Putnam, CT 06260 Property Records

Putnam Town property record for 48 S Prospect St, Putnam, CT 06260

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1967
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Dec 2018)
Tax Bill	$4,887 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:014 B:059 L:00`

Property Details

APN / Parcel Number

Primary APN	`M:014 B:059 L:00`
Alternative APNs	`PUTN M:010 L:047 U:000` `549`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,884 sqft
Basement Area	1,040 sqft
Unfinished Basement	676 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	549
Street Address	48 S PROSPECT ST
City	PUTNAM
State	CT
Zip	06260-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Lot Number	47
Jurisdiction	PUTNAM CT
Township / Civil Division	PUTNAM
Census Block Group	3
Census Block	3008
Census Tract	903101

Owner

48 S Prospect St is owned and occupied by an individual who bought it in December 2018.

Source: Putnam Town records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	48 S PROSPECT ST, PUTNAM, CT 06260-1416
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
Aug 16, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHARTER OAK FCU
Feb 4, 2021	Deed of Trust, Mortgage · Balloon Mortgage PRIMARY RESIDENTIAL MORTGAGE
Dec 6, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage CASTLE & COOK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2018 · Amount on File
Deed Sale	Dec 6, 2018 · Amount on File
Prior Sale	Jun 26, 1984 · Amount on File
Deed Book / Page	824 / 119
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM CT
Property Address	48 S PROSPECT ST, PUTNAM, CT 06260-1416
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000852-769
Date	Aug 16, 2022
Book Page	852/769
Instrument	1311

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM CT
Property Address	48 S PROSPECT ST, PUTNAM, CT 06260-1416
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	838-551
Date	Feb 4, 2021
Book Page	838/551
Instrument	224

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM CT
Recording Date	Dec 6, 2018
Property Address	48 S PROSPECT ST, PUTNAM, CT 06260-1416
Document Number	824-119
Book / Page	824 / 119
Instrument Date	Dec 4, 2018
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13751 S WADSWORTH PARK DR, DRAPER, UT 84020-7947

Mortgage

Document Number	824121
Date	Dec 6, 2018
Instrument	824/121

Lender

Name	CASTLE & COOK MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 48 S Prospect St was $4,887.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,887.00	$192,800 Land $31,500 Building $161,300	$134,960 Land $22,050 Building $112,910
2024	$4,887.00 (+33.2%)
2023	$3,669.00 (+3.59%)	$115,400 (-) Land $25,200 Building $90,200
2022	$3,542.00	$115,400 Land $25,200 Building $90,200

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

Flood

FEMA maps place 48 S Prospect St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 13, 2023

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

Wildfire risk around 48 S Prospect St is low, with less than 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 94% of the US · lower than 89% 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	PUTNAM WATER POLLUTION CONTROL AUTHORITY serves 7,300 people · EPA ID CT1160011
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	3 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	20 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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