Prospect Town property record for 48 Union City Rd, Prospect, CT 06712
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,476 sqft · built 1957 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Jun 2023) |
| Tax Bill | $6,589 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M0204700 |
| Primary APN | M0204700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,476 sqft Living Area |
| Gross Area | 2,952 sqft |
| Basement Area | 1,476 sqft |
| Unfinished Basement | 1,316 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | M0204700 |
|---|---|
| Street Address | 48 UNION CITY RD |
| City | PROSPECT |
| State | CT |
| Zip | 06712-1540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-1 |
| Legal Block | 156 |
| Legal Lot Number | 48 |
| Jurisdiction | PROSPECT CT |
| Township / Civil Division | PROSPECT |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 347200 |
48 Union City Rd is owned and occupied by two individuals who bought it in June 2023.
Source: Prospect Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 UNION CITY RD, PROSPECT, CT 06712-1540 |
| 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.
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 23, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Nov 3, 2022 | Warranty Deed, Construction Loan · Construction Mortgage PINNACLE FINANCIAL SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2023 · Amount on File |
| Deed Sale | Jun 23, 2023 · Amount on File |
| Prior Sale | Nov 3, 2022 · Amount on File |
| Deed Document Number | 2023606 |
| Deed Book / Page | 922 / 600 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PROSPECT CT |
| Property Address | 48 UNION CITY RD, PROSPECT, CT 06712-1540 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000937-310 |
|---|---|
| Date | Feb 13, 2026 |
| Book Page | 937/310 |
| Instrument | 2026-126 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PROSPECT CT |
| Recording Date | Jun 23, 2023 |
| Property Address | 48 UNION CITY RD, PROSPECT, CT 06712-1540 |
| Document Number | 000922-600 |
| Book / Page | 922 / 600 |
| Instrument Date | Jun 22, 2023 |
| Instrument | 2023606 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 8 DAWN RD, WATERBURY, CT 06704-2303 |
| Investor | Possibly a Property Investor |
| Document Number | 0002023607 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 2023-607 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PROSPECT CT |
| Recording Date | Nov 3, 2022 |
| Property Address | 48 UNION CITY RD, PROSPECT, CT 06712-1540 |
| Document Number | 000918-365 |
| Book / Page | 918 / 365 |
| Instrument Date | Nov 2, 2022 |
| Instrument | 20221275 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 57 CRESTON RD, STRATFORD, CT 06614-3308 |
| Document Number | 0020221276 |
|---|---|
| Date | Nov 3, 2022 |
| Instrument | 2022-1276 |
| Name | PINNACLE FINANCIAL SERVICES LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 48 Union City Rd was $6,589, up 11.4% from the year before.
Source: Prospect Town assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Prospect Town |
| Unified School District | Regional School District 16 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,589.00 (+11.36%) | $231,420 (-) Land $49,210 Building $182,210 | $417,882 (+157.96%) |
| 2025 | $5,917.00 | $231,420 Land $49,210 Building $182,210 | $161,994 Land $34,447 Building $127,547 |
| 2024 | $5,917.00 (+43.93%) | ||
| 2023 | $4,111.00 (-0.1%) | $128,790 (-) Land $49,210 Building $79,580 | |
| 2022 | $4,115.00 | $128,790 Land $49,210 Building $79,580 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 48 Union City 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 risk around 48 Union City 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CTWC - NAUGATUCK REGION-CENTRAL SYSTEM private · serves 22,735 people · EPA ID CT0880011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 157 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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