51 Mountain St, Derby, CT 06418 Property Records

Derby City property record for 51 Mountain St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,190 sqft · built 1952
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$204,000 (Jul 2020)
Tax Bill	$7,187 (2026)
Deeds & Mortgages	Jan 2023 Refinance Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DERB M:8 B:11 L:39`

Property Details

APN / Parcel Number

Primary APN	`DERB M:8 B:11 L:39`
Alternative APNs	`003398` `9191` `3398`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
1st Floor Area	1,190 sqft
Basement Area	850 sqft
Unfinished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3398
Street Address	51 MOUNTAIN ST
City	DERBY
State	CT
Zip	06418-1257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	11
Legal Lot Number	39
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2002
Census Tract	120200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	51 MOUNTAIN ST, DERBY, CT 06418-1257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 23, 2020	Warranty Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2020 · Amount on Record
Deed Sale	Jul 23, 2020 · Amount on Record
Prior Sale	Jul 21, 2015 · Amount on Record
Deed Book / Page	822 / 347
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	51 MOUNTAIN ST, DERBY, CT 06418-1257
Transaction Type	Mortgage
Record Updated	Feb 9, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000898-105
Date	Jan 3, 2023
Book Page	898/105
Instrument	2072

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Jul 23, 2020
Property Address	51 MOUNTAIN ST, DERBY, CT 06418-1257
Document Number	822-347
Book / Page	822 / 347
Instrument Date	Jul 14, 2020
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount Recorded
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	8231
Date	Jul 23, 2020
Instrument	823/1

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,187.00 (+26.89%)	$186,970 (+42.61%) Land $31,850 Building $155,120	$357,829 (+289.89%)
2025	$5,664.00	$131,110 (-) Land $32,410 Building $98,700	$91,777 Land $22,687 Building $69,090
2024	$5,664.00 (+11.91%)
2023	$5,061.00	$131,110 (-) Land $32,340 Building $98,770
2022	$5,061.00	$131,110 Land $32,340 Building $98,770

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 92% 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.

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 353 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 / 250

May also be available: AT&T, T-Mobile, Verizon.

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