51 Cottage Ave, Ansonia, CT 06401 Property Records

Ansonia City property record for 51 Cottage Ave, Ansonia, CT 06401

Property Summary

Property Type	Duplex
Details	7 bd · 3 ba · 4,425 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Dec 2020)
Tax Bill	$9,303 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Jun 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12810`

Property Details

APN / Parcel Number

Primary APN	`12810`
Alternative APN	`ANSO M:055 B:0062 L:0000`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	3 Stories
Building Area	4,425 sqft Living Area
Gross Area	6,926 sqft
1st Floor Area	1,686 sqft
Basement Area	1,659 sqft
Unfinished Basement	1,659 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	12810
Street Address	51 COTTAGE AVE
City	ANSONIA
State	CT
Zip	06401-1951
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	B
Legal Block	62
Jurisdiction	ANSONIA CT
Township / Civil Division	ANSONIA
Census Block Group	2
Census Block	2012
Census Tract	125200

Owner

51 Cottage Ave, a duplex, is owned and occupied by two individuals who bought it in December 2020.

Source: Ansonia City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	51 COTTAGE AVE, ANSONIA, CT 06401-1951
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
Mar 25, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SIKORSKY FINANCIAL CREDIT UNION INC
Jun 20, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SIKORSKY FINANCIAL CREDIT UNION INC
Dec 15, 2020	Executor's Deed, Transfer · FHA Mortgage PRYSMA LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2020 · Amount on File
Deed Sale	Dec 15, 2020 · Amount on File
Prior Sale	Jul 31, 1998 · Amount on File
Deed Document Number	20201791550002
Deed Book / Page	584 / 535
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANSONIA CT
Property Address	51 COTTAGE AVE, ANSONIA, CT 06401-1951
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000638-816
Date	Mar 25, 2026
Book Page	638/816
Instrument	2005070011

Lender

Name	SIKORSKY FINANCIAL CREDIT UNION INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANSONIA CT
Property Address	51 COTTAGE AVE, ANSONIA, CT 06401-1951
Transaction Type	Mortgage
Record Updated	Jul 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000622-491
Date	Jun 20, 2024
Book Page	622/491
Instrument	1943690011

Lender

Name	SIKORSKY FINANCIAL CREDIT UNION INC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2044

December 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ANSONIA CT
Recording Date	Dec 15, 2020
Property Address	51 COTTAGE AVE, ANSONIA, CT 06401-1951
Document Number	584-535
Book / Page	584 / 535
Instrument Date	Nov 9, 2020
Instrument	1791550002
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

Mortgage

Document Number	1791560017
Date	Dec 15, 2020
Instrument	1791560017

Lender

Name	PRYSMA LENDING GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 51 Cottage Ave was $9,303, up 3.2% from the year before.

Source: Ansonia City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Ansonia City
Unified School District	Ansonia School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,303.00 (+3.19%)	$315,770 (-) Land $37,870 Building $277,900	$531,009 (+140.23%)
2025	$9,015.00	$315,770 Land $37,870 Building $277,900	$221,039 Land $26,509 Building $194,530
2024	$9,015.00 (+8.8%)
2023	$8,286.00 (+20.72%)	$315,770 (+73.88%) Land $37,870 Building $277,900
2022	$6,864.00	$181,600 Land $37,100 Building $144,500

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

Flood

FEMA maps place 51 Cottage Ave 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 51 Cottage Ave 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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