Waterford Town property record for 77 Cross Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 780 sqft · built 1940 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Company Name on File |
| Last Sale | $40,000 (Nov 2000) |
| Tax Bill | $3,358 (2026) |
| Deeds & Mortgages | Jul 2025 Line of Credit Jun 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:104 L:1703 |
| Primary APN | WATE M:104 L:1703 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 780 sqft Living Area |
| Gross Area | 1,822 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 22,216 sqft (0.51 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Water Source | Well |
| Account Number | 145900 |
|---|---|
| Street Address | 77 CROSS RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Lot Number | 1703 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 693300 |
77 Cross Rd is owned by a company that acquired it in June 2025.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 77 CROSS RD, WATERFORD, CT 06385-1621 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 25, 2025 | Deed of Trust, Mortgage · Line of Credit HOMETOWN EQUITY MTG |
| Jun 5, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2000 · Amount on File |
| Deed Sale | Nov 3, 2000 · Amount on File |
| Deed Book / Page | 518 / 533 |
| Last Transfer Date | Jun 2, 2025 |
| Transfer Doc | 00001879-7 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 77 CROSS RD, WATERFORD, CT 06385-1621 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001880-713 |
|---|---|
| Date | Jul 25, 2025 |
| Book Page | 1880/713 |
| Instrument | 178461 |
| Name | HOMETOWN EQUITY MTG |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERFORD CT |
| Recording Date | Jun 5, 2025 |
| Property Address | 77 CROSS RD, WATERFORD, CT 06385-1621 |
| Document Number | 00001879-7 |
| Book / Page | 1879 / 7 |
| Instrument Date | Jun 2, 2025 |
| Instrument | 178047 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 77 Cross Rd was $3,358, up 6.1% from the year before.
Source: Waterford Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Waterford Town |
| Unified School District | Waterford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,358.00 (+6.13%) | $136,850 (+1.05%) Land $70,800 Building $66,050 | $305,247 (+221.99%) |
| 2025 | $3,164.00 | $135,430 Land $70,800 Building $64,630 | $94,801 Land $49,560 Building $45,241 |
| 2024 | $3,164.00 (+10.21%) | ||
| 2023 | $2,871.00 | $135,430 Land $70,800 Building $64,630 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 77 Cross Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 20, 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 risk around 77 Cross Rd 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 | Direct burnable vegetation |
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 | WATERFORD WPCA serves 16,578 people · EPA ID CT1520071 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 6 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 / 2,000 |
| Breezeline Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures