54 Prospect Ave, Guilford, CT 06437 Property Records

Guilford Town property record for 54 Prospect Ave, Guilford, CT 06437

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,876 sqft · built 1890
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Oct 2015)
Tax Bill	$28,084 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2025 Line of Credit + 3 more
Flood Zone	Zone VE (high risk)
APN	`GUIL M:2046`

Property Details

APN / Parcel Number

Primary APN	`GUIL M:2046`
Alternative APN	`7357`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1981
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	7357
Street Address	54 PROSPECT AVE
City	GUILFORD
State	CT
Zip	06437-3113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Jurisdiction	GUILFORD CT
Township / Civil Division	GUILFORD
Census Block Group	2
Census Block	2020
Census Tract	190200

Owner

Source: Guilford Town 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	2 Individual Names on Record
Mailing Address	54 PROSPECT AVE, GUILFORD, CT 06437-3113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Line of Credit
Apr 4, 2025	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Jan 29, 2018	Deed of Trust, Mortgage · ARM FIRST NIAGARA BANK NA
May 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC
Aug 12, 2019	Deed of Trust, Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2015 · Amount on Record
Deed Sale	Oct 29, 2015 · Amount on Record
Prior Sale	Aug 31, 1987 · Amount on Record
Deed Document Number	201586292
Deed Book / Page	891 / 332
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUILFORD CT
Recording Date	May 21, 2026
Property Address	54 PROSPECT AVE, GUILFORD, CT 06437-3113
Document Number	01043-1159
Book / Page	1043 / 1159
Instrument Date	May 20, 2026
Instrument	20263146200004
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 PROSPECT AVE, GUILFORD, CT 06437-3113

Mortgage

Document Number	3146200004,
Date	May 21, 2026
Book Page	1043/1159
Instrument	20263146200004

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 1, 2027

Interest

Rate	6.23%
Max Rate	-1%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUILFORD CT
Property Address	54 PROSPECT AVE, GUILFORD, CT 06437-3113
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001029-522
Date	Apr 4, 2025
Book Page	1029/522
Instrument	3046130010

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUILFORD CT
Property Address	54 PROSPECT AVE, GUILFORD, CT 06437-3113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	922-1079
Date	Jan 29, 2018
Book Page	922/1079
Instrument	1347600023

Lender

Name	FIRST NIAGARA BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	2.75%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUILFORD CT
Property Address	54 PROSPECT AVE, GUILFORD, CT 06437-3113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	952-636
Date	May 6, 2020
Book Page	952/636
Instrument	2257720015

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUILFORD CT
Property Address	54 PROSPECT AVE, GUILFORD, CT 06437-3113
Document Number	942-516
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 PROSPECT AVE GUILFORD CT 064373113, GUILFORD, CT 06437-3113

Mortgage

Document Number	942-516
Date	Aug 20, 2019
Book Page	000942/000516
Instrument	10018

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

Tax Assessment & Valuation

Source: Guilford Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$28,084.00	$1,015,700 (-) Land $893,340 Building $122,360	$1,451,000 Land $1,276,200 Building $174,800
2024	$28,084.00 (+4.03%)	$1,015,700 (-) Land $893,340 Building $122,360
2023	$26,997.00 (+29.67%)	$1,015,700 (+62.21%) Land $893,340 Building $122,360
2022	$20,820.00	$626,170 Land $565,390 Building $60,780

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	17.0 ft
Flood Insurance Requirement	Required federally backed loans

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 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	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people · EPA ID CT0608011
Water Source	Surface water
Last State Inspection	Jun 2025
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 52 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

Cell Coverage

5G and 4G LTE (outdoors only)

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