81 Grove Ave, Derby, CT 06418 Property Records

Derby City property record for 81 Grove Ave, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,080 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (Jul 2015)
Tax Bill	$8,376 (2026)
Deeds & Mortgages	Jan 2025 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DERB M:10 B:3 L:37`

Property Details

APN / Parcel Number

Primary APN	`DERB M:10 B:3 L:37`
Alternative APNs	`000863` `6774` `863`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	2,080 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	14,375 sqft (0.33 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	863
Street Address	81 GROVE AVE
City	DERBY
State	CT
Zip	06418-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Block	3
Legal Lot Number	37
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	3
Census Block	3021
Census Tract	120200

Owner

81 Grove Ave is owned and occupied by an individual who bought it in July 2015.

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

Owner of Record	Individual Name on File
Mailing Address	81 GROVE AVE, DERBY, CT 06418-1615
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
Jan 22, 2025	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Oct 13, 2021	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2015 · Amount on File
Deed Sale	Jul 24, 2015 · Amount on File
Prior Sale	Dec 10, 2013
Deed Book / Page	717 / 296
Transfer Doc	685-330
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	81 GROVE AVE, DERBY, CT 06418-1615
Transaction Type	Mortgage
Record Updated	Feb 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000940-250
Date	Jan 22, 2025
Book Page	940/250
Instrument	95

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Feb 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	81 GROVE AVE, DERBY, CT 06418-1615
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	FIDELITY NATIONAL TITLE MA, FIDELITY NATIONAL TITLE (AKA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	863-232
Date	Oct 13, 2021
Book Page	863/232
Instrument	2026

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2031

Tax Assessment & Valuation

The 2026 property tax bill for 81 Grove Ave was $8,376, up 19.7% 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	$8,376.00 (+19.69%)	$217,910 (+34.53%) Land $43,540 Building $174,370	$397,333 (+250.43%)
2025	$6,998.00	$161,980 Land $39,180 Building $122,800	$113,386 Land $27,426 Building $85,960
2024	$6,998.00 (+11.93%)
2023	$6,252.00	$161,980 (-) Land $39,130 Building $122,850
2022	$6,252.00	$161,980 Land $39,130 Building $122,850

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

Flood

FEMA maps place 81 Grove Ave 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 81 Grove Ave 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 256 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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