7 Howard Ave, Derby, CT 06418 Property Records

Derby City property record for 7 Howard Ave, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1963
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Apr 2001)
Tax Bill	$8,637 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:3 B:6 L:54`

Property Details

APN / Parcel Number

Primary APN	`DERB M:3 B:6 L:54`
Alternative APNs	`001227` `7084` `1227`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	642 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1227
Street Address	7 HOWARD AVE
City	DERBY
State	CT
Zip	06418-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Block	6
Legal Lot Number	54
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	1
Census Block	1006
Census Tract	120100

Owner

Source: Derby City 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	Individual Name on Record
Mailing Address	7 HOWARD AVE, DERBY, CT 06418-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit SIKORSKY FINANCIAL CREDIT UNION
Jun 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Dec 1, 2020	Deed of Trust, Mortgage · Balloon Mortgage GUARANTEED RATE INC
Dec 7, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2001 · Amount on Record
Deed Sale	Apr 6, 2001 · Amount on Record
Deed Book / Page	296 / 776
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Recording Date	Sep 8, 2026
Property Address	7 HOWARD AVE, DERBY, CT 06418-2319
Document Number	0000001036
Book / Page	977 / 152
Instrument Date	Aug 17, 2026
Instrument	20261036
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HOWARD AVE, DERBY, CT 06418-2319

Mortgage

Document Number	0000001036,
Date	Sep 8, 2026
Book Page	977/152
Instrument	20261036

Lender

Name	SIKORSKY FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	7 HOWARD AVE, DERBY, CT 06418-2319
Transaction Type	Mortgage
Record Updated	Jun 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000885-60
Date	Jun 7, 2022
Book Page	885/60
Instrument	1013

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	7 HOWARD AVE, DERBY, CT 06418-2319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	833-1
Date	Dec 1, 2020
Book Page	833/1
Instrument	1668

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DERBY CT
Recording Date	Dec 7, 2017
Property Address	7 HOWARD AVE, DERBY, CT 06418-2319
Document Number	768-280
Book / Page	000768 / 000280
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HOWARD AVE DERBY CT 064182319, DERBY, CT 06418-2319

Tax Assessment & Valuation

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	$8,637.00 (+37.84%)	$224,700 (+54.92%) Land $47,180 Building $177,520	$333,440 (+228.42%)
2025	$6,266.00	$145,040 (-) Land $42,940 Building $102,100	$101,528 Land $30,058 Building $71,470
2024	$6,266.00 (+11.91%)
2023	$5,599.00	$145,040 (-) Land $42,910 Building $102,130
2022	$5,599.00	$145,040 Land $42,910 Building $102,130

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 90% 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	AQUARION-EAST DERBY private · serves 1,101 people · EPA ID CT0378011
Water Source	Purchased surface water from REGIONAL WATER AUTHORITY
Last State Inspection	Nov 2024
Lead	Under 1 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	1 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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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