Ledyard Town property record for 55 Harvard Ter, Gales Ferry, CT 06335
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,455 sqft · built 1960 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (May 2023) |
| Tax Bill | $7,790 (2026) |
| Deeds & Mortgages | Jan 2025 Refinance May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23600 |
| Primary APN | 23600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,455 sqft Living Area |
| Gross Area | 4,246 sqft |
| Basement Area | 429 sqft |
| Unfinished Basement | 429 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,958 sqft (0.55 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 23600 |
|---|---|
| Street Address | 55 HARVARD TER |
| City | GALES FERRY |
| State | CT |
| Zip | 06335-1414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Block | 910 |
| Legal Lot Number | 55 |
| Jurisdiction | LEDYARD CT |
| Township / Civil Division | LEDYARD |
| Census Block Group | 5 |
| Census Block | 5021 |
| Census Tract | 701200 |
55 Harvard Ter is owned and occupied by two individuals who bought it in May 2023.
Source: Ledyard Town records, as of October 20, 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 | 55 HARVARD TER, GALES FERRY, CT 06335-1414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU |
| May 18, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2023 · Amount on File |
| Deed Sale | May 18, 2023 · Amount on File |
| Prior Sale | Jun 3, 1994 · Amount on File |
| Deed Document Number | 20231053 |
| Deed Book / Page | 633 / 74 |
| Transfer Doc | 0225000284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEDYARD CT |
| Property Address | 55 HARVARD TER, GALES FERRY, CT 06335-1414 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000651-336 |
|---|---|
| Date | Jan 2, 2025 |
| Book Page | 651/336 |
| Instrument | 2025000009 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEDYARD CT |
| Recording Date | May 18, 2023 |
| Property Address | 55 HARVARD TER, GALES FERRY, CT 06335-1414 |
| Document Number | 0000633-74 |
| Book / Page | 633 / 74 |
| Instrument Date | May 17, 2023 |
| Instrument | 2023001053 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5205 MAPLE TREE LN, EAST LYME, CT 06333-1689 |
| Document Number | 2023001054 |
|---|---|
| Date | May 18, 2023 |
| Instrument | 2023001054 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 55 Harvard Ter was $7,790, up 4% from the year before.
Source: Ledyard Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Ledyard Town |
| Unified School District | Ledyard School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,790.00 (+3.96%) | $302,162 (+49.76%) Land $75,762 Building $226,400 | $435,525 (+208.37%) |
| 2025 | $7,493.00 | $201,763 Land $72,053 Building $129,710 | $141,234 Land $50,437 Building $90,797 |
| 2024 | $7,493.00 (+7.75%) | ||
| 2023 | $6,954.00 (+2.19%) | $201,203 (-) Land $72,053 Building $129,150 | |
| 2022 | $6,805.00 | $201,203 Land $72,053 Building $129,150 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 55 Harvard Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 risk around 55 Harvard Ter 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 93% of the US · lower than 86% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LEDYARD WPCA, GALES FERRY SYSTEM serves 2,369 people · EPA ID CT0727051 |
|---|---|
| Water Source | Purchased surface water from GROTON UTILITIES |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Breezeline Cable | 1,000 / 50 |
May also be available: Verizon.
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