74 White Oak Dr, Prospect, CT 06712 Property Records

Waterbury City property record for 74 White Oak Dr, Prospect, CT 06712

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,503 sqft · built 2008
Owner	2 Individual Names on File
Last Sale	$380,000 (Dec 2022)
Tax Bill	$7,587 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T0258590`

Property Details

APN / Parcel Number

Primary APN	`T0258590`
Alternative APN	`PROS M:108 B:175 L:74`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,503 sqft Living Area
Basement Area	1,503 sqft
Unfinished Basement	1,503 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	T0258590
Street Address	74 WHITE OAK DR
City	PROSPECT
State	CT
Zip	06712-1489
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CP
Legal Block	175
Legal Lot Number	74
Jurisdiction	PROSPECT CT
Township / Civil Division	WATERBURY
Census Block Group	4
Census Block	4004
Census Tract	351300

Owner

74 White Oak Dr, a condominium, is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	74 WHITE OAK DR, PROSPECT, CT 06712-1489
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
Dec 19, 2022	Executor's Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 19, 2022	Executor's Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2022 · Amount on File
Deed Sale	Dec 19, 2022 · Amount on File
Prior Sale	Dec 19, 2022 · Amount on File
Deed Document Number	20221409
Deed Book / Page	919 / 160
Record Updated	Oct 29, 2026

December 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	PROSPECT CT
Recording Date	Dec 19, 2022
Property Address	74 WHITE OAK DR, PROSPECT, CT 06712-1489
Document Number	000919-160
Book / Page	919 / 160
Instrument Date	Nov 30, 2022
Instrument	20221409
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	74 WHITE OAK DR, PROSPECT, CT 06712-1489

Mortgage

Document Number	0020221410
Date	Dec 19, 2022
Instrument	2022-1410

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WATERBURY CT
Recording Date	Dec 19, 2022
Property Address	74 WHITE OAK DR, PROSPECT, CT 06712-1489
Document Number	008617-328
Book / Page	8617 / 328
Instrument Date	Nov 30, 2022
Instrument	202221858
Transaction Type	Transfer
Record Updated	Jan 5, 2023

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 WHITE OAK DR, PROSPECT, CT 06712-1489

Mortgage

Document Number	0202221859
Date	Dec 19, 2022
Instrument	2022-21859

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Jan 1, 2030
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 74 White Oak Dr was $7,587, up 11.3% from the year before.

Source: Waterbury City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Waterbury City
Unified School District	Waterbury School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,587.00 (+11.34%)	$266,490 (-) Building $266,490	$482,075 (+158.43%)
2025	$6,814.00	$266,490 Building $266,490	$186,543 Building $186,543
2024	$6,814.00 (+8.24%)
2023	$6,295.00 (-0.1%)	$197,200 (-) Building $197,200
2022	$6,301.00	$197,200 Building $197,200

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

Flood

FEMA maps place 74 White Oak Dr 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 January 25, 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

Wildfire risk around 74 White Oak Dr 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	WATERBURY WATER DEPARTMENT serves 107,271 people · EPA ID CT1510011
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 454 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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