54 Niantic River Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 54 Niantic River Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,495 sqft · built 1998
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (May 2013)
Tax Bill	$21,748 (2026)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`WATE M:149 L:5082`

Property Details

APN / Parcel Number

Primary APN	`WATE M:149 L:5082`
Alternative APNs	`WFRD M:149 L:5082` `0465700` `465700`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,495 sqft Living Area
Gross Area	7,592 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	64,469 sqft (1.48 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	465700
Street Address	54 NIANTIC RIVER RD
City	WATERFORD
State	CT
Zip	06385-2531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20W
Legal Lot Number	5082
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2026
Census Tract	693300

Owner

54 Niantic River Rd is owned and occupied by two individuals who bought it in May 2013.

Source: Waterford Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	54 NIANTIC RIVER RD, WATERFORD, CT 06385-2531
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2013 · Amount on File
Deed Sale	May 1, 2013 · Amount on File
Prior Sale	Feb 5, 1997 · Amount on File
Deed Book / Page	1306 / 58
Transfer Doc	0463001011
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	54 NIANTIC RIVER RD, WATERFORD, CT 06385-2531
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1538-152
Date	Jan 8, 2018
Book Page	1538/152

Lender

Name	CHARTER OAK FED CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	144 Months
Due	Jan 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 54 Niantic River Rd was $21,748, up 6.5% from the year before.

Source: Waterford Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Waterford Town
Unified School District	Waterford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$21,748.00 (+6.5%)	$886,220 (+1.38%) Land $496,390 Building $389,830	$1,411,962 (+130.74%)
2025	$20,421.00	$874,170 Land $496,390 Building $377,780	$611,919 Land $347,473 Building $264,446
2024	$20,421.00 (+12.27%)
2023	$18,189.00	$857,970 Land $496,390 Building $361,580

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

Flood

FEMA maps place 54 Niantic River Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 54 Niantic River Rd 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 98% of the US · lower than 97.2% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20