59 Cottage St, Derby, CT 06418 Property Records

Derby City property record for 59 Cottage St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,342 sqft · built 1890
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (May 2017)
Tax Bill	$11,024 (2026)
Deeds & Mortgages	May 2024 Refinance Dec 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:8 B:7 L:113`

Property Details

APN / Parcel Number

Primary APN	`DERB M:8 B:7 L:113`
Alternative APNs	`003495` `9283` `3495`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,342 sqft Living Area
1st Floor Area	2,342 sqft
Basement Area	1,027 sqft
Unfinished Basement	1,027 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1980
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	3495
Street Address	59 COTTAGE ST
City	DERBY
State	CT
Zip	06418-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	7
Legal Lot Number	113
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2012
Census Tract	120200

Owner

59 Cottage St is owned and occupied by two individuals who acquired it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	59 COTTAGE ST, DERBY, CT 06418-1544
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
May 29, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Dec 28, 2021	Warranty Deed, Transfer · Stand-Alone Refinance WELLS FARGO BANK NA
May 18, 2017	Warranty Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2017 · Amount on File
Deed Sale	May 18, 2017 · Amount on File
Prior Sale	Jan 21, 2015
Deed Book / Page	756 / 116
Last Transfer Date	Dec 13, 2021
Transfer Doc	000871-127
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	59 COTTAGE ST, DERBY, CT 06418-1544
Transaction Type	Mortgage
Record Updated	Jul 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000925-298
Date	May 29, 2024
Book Page	925/298
Instrument	593

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Dec 28, 2021
Property Address	59 COTTAGE ST, DERBY, CT 06418-1544
Document Number	000871-127
Book / Page	871 / 127
Instrument Date	Dec 13, 2021
Instrument	2559
Transaction Type	Transfer
Record Updated	Jul 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	59 COTTAGE ST, DERBY, CT 06418-1544

Mortgage

Document Number	0000002560
Date	Dec 28, 2021
Instrument	2560

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	May 18, 2017
Property Address	59 COTTAGE ST, DERBY, CT 06418-1544
Document Number	756-116
Book / Page	756 / 116
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	$56.19
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7560119
Date	May 18, 2017
Instrument	00756/0119

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 18, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 59 Cottage St was $11,024, up 35% from the year before.

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	$11,024.00 (+35.02%)	$286,790 (+51.74%) Land $42,420 Building $244,370	$415,350 (+213.95%)
2025	$8,165.00	$189,000 Land $37,000 Building $152,000	$132,300 Land $25,900 Building $106,400
2024	$8,165.00 (+11.93%)
2023	$7,295.00	$189,000 (-) Land $36,960 Building $152,040
2022	$7,295.00	$189,000 Land $36,960 Building $152,040

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

Flood

FEMA maps place 59 Cottage St 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 59 Cottage St 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	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 499 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
Verizon Fixed Wireless	300 / 20

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

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