5 Smith Ave, Milford, CT 06460 Property Records

Milford City property record for 5 Smith Ave, Milford, CT 06460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,202 sqft · built 1999
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$697,500 (Jun 2004)
Tax Bill	$15,466 (2025)
Deeds & Mortgages	Jul 2026 Reverse Mortgage Jun 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`MILF M:13 B:134 L:5-A`

Property Details

APN / Parcel Number

Primary APN	`MILF M:13 B:134 L:5-A`
Alternative APNs	`M:00013 B:00134 L:00005A` `MLFD M:13 B:134 L:5-A` `23041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,202 sqft Living Area
Gross Area	4,780 sqft
1st Floor Area	832 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	23041
Street Address	5 SMITH AVE
City	MILFORD
State	CT
Zip	06460-5928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7.5
Legal Block	134
Legal Lot Number	5-A
Jurisdiction	MILFORD CT
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3001
Census Tract	150400

Owner

5 Smith Ave is owned and occupied by two individuals who bought it in June 2004.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5 SMITH AVE, MILFORD, CT 06460-5928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Jun 29, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2004 · Amount on File
Deed Sale	Jun 4, 2004 · Amount on File
Deed Book / Page	2887 / 590
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Recording Date	Jul 29, 2026
Property Address	5 SMITH AVE, MILFORD, CT 06460-5928
Document Number	0000005104
Book / Page	4192 / 752
Instrument Date	Jul 16, 2026
Instrument	20265104
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SMITH AVE, MILFORD, CT 06460-5928

Mortgage

Document Number	0000005104,
Date	Jul 29, 2026
Book Page	4192/752
Instrument	20265104

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	937 Months
Due	Aug 1, 2104

Interest

Rate	6.47%
Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD CT
Property Address	5 SMITH AVE, MILFORD, CT 06460-5928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3786-8
Date	Jun 29, 2018
Book Page	3786/8

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	348 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5 Smith Ave was $15,466.

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	$15,466.00	$523,370 Land $280,740 Building $242,630	$747,671 Land $401,057 Building $346,614
2024	$15,466.00 (+8.76%)
2023	$14,220.00	$523,370 Land $280,740 Building $242,630

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

Flood

FEMA maps place 5 Smith Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 5 Smith Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 253 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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