68 Cottage St, Derby, CT 06418 Property Records

Derby City property record for 68 Cottage St, Derby, CT 06418

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 4,344 sqft · built 1930
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Feb 2022)
Tax Bill	$8,325 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DERB M:8 B:7 L:184`

Property Details

APN / Parcel Number

Primary APN	`DERB M:8 B:7 L:184`
Alternative APNs	`002969` `8775` `2969`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,344 sqft Living Area
Basement Area	1,830 sqft
Unfinished Basement	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2969
Street Address	68 COTTAGE ST
City	DERBY
State	CT
Zip	06418-1555
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	CDD
Legal Block	7
Legal Lot Number	184
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	4
Census Block	4003
Census Tract	120200

Owner

68 Cottage St, a duplex, is owned and occupied by an individual who bought it in February 2022.

Source: Derby City records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	68 COTTAGE ST, DERBY, CT 06418-1555
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
Feb 11, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jan 27, 2021	Deed of Trust, Mortgage · Balloon Mortgage WEBSTER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2022 · Amount on File
Deed Sale	Feb 11, 2022 · Amount on File
Prior Sale	Feb 26, 2009 · Amount on File
Deed Document Number	2022294
Deed Book / Page	876 / 13
Transfer Doc	578-152
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Feb 11, 2022
Property Address	68 COTTAGE ST, DERBY, CT 06418-1555
Document Number	0000876-13
Book / Page	876 / 13
Instrument Date	Feb 10, 2022
Instrument	294
Transaction Type	Transfer
Record Updated	Feb 24, 2022

Transaction

Amount	Amount on Record
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	0000000295
Date	Feb 11, 2022
Instrument	295

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	68 COTTAGE ST, DERBY, CT 06418-1555
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	838-7
Date	Jan 27, 2021
Book Page	838/7
Instrument	180

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 68 Cottage St was $8,325.

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
2025	$8,325.00	$192,710 Land $35,310 Building $157,400	$275,300 Land $50,443 Building $224,857
2024	$8,325.00 (+11.91%)
2023	$7,439.00	$192,710 (-) Land $35,350 Building $157,360
2022	$7,439.00	$192,710 Land $35,350 Building $157,360

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

Flood

FEMA maps place 68 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 68 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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