Waterford Town property record for 5 Division St, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 906 sqft · built 1955 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $218,000 (Jul 1999) |
| Tax Bill | $10,228 (2026) |
| Deeds & Mortgages | Aug 2025 Transfer |
| Flood Zone | Zone VE (high risk) |
| APN | WATE M:165 L:2044 |
| Primary APN | WATE M:165 L:2044 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 906 sqft Living Area |
| Gross Area | 2,676 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Deck Area | Deck Area |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Oil |
| Account Number | 176400 |
|---|---|
| Street Address | 5 DIVISION ST |
| City | WATERFORD |
| State | CT |
| Zip | 06385-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20W |
| Legal Lot Number | 2044 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 693500 |
5 Division St is owned by two individuals who acquired it in July 2025.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 246 ASPEN CIR, LINCOLN, MA 01773-4922 |
| Owner Type | Individual |
| Vesting | Married Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 1999 · Amount on File |
| Deed Sale | Jul 15, 1999 · Amount on File |
| Deed Book / Page | 502 / 133 |
| Last Transfer Date | Jul 25, 2025 |
| Transfer Doc | 001881-548 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Aug 11, 2025 |
| Property Address | 5 DIVISION ST, WATERFORD, CT 06385-3411 |
| Document Number | 001881-548 |
| Book / Page | 1881 / 548 |
| Instrument Date | Jul 25, 2025 |
| Instrument | 178799 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 246 ASPEN CIR, LINCOLN, MA 01773-4922 |
The 2026 property tax bill for 5 Division St was $10,228, up 5.7% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,228.00 (+5.65%) | $416,800 (+0.57%) Land $313,850 Building $102,950 | $454,900 (+56.8%) |
| 2025 | $9,681.00 | $414,440 Land $313,850 Building $100,590 | $290,108 Land $219,695 Building $70,413 |
| 2024 | $9,681.00 (+11.88%) | ||
| 2023 | $8,653.00 | $408,150 Land $310,920 Building $97,230 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Division St in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5 Division 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 99.1% of the US · lower than 99% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | WATERFORD WPCA serves 16,578 people · EPA ID CT1520071 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 141 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 / 2,000 |
| Breezeline Cable | 1,000 / 50 |
May also be available: T-Mobile, Verizon.
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