91 Spithead Rd, Waterford, CT 06385 Property Records

Waterford Town property record for 91 Spithead Rd, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,909 sqft · built 1977
Lot Size	2.6 acres (113,256 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Apr 2018)
Tax Bill	$6,429 (2026)
Deeds & Mortgages	Jun 2021 Refinance Sep 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WATE M:130 L:7827`

Property Details

APN / Parcel Number

Primary APN	`WATE M:130 L:7827`
Alternative APNs	`WFRD M:130 L:7827` `0730900` `730900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,909 sqft Living Area
Gross Area	3,742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Shingle
Lot Area	113,256 sqft (2.6 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	730900
Street Address	91 SPITHEAD RD
City	WATERFORD
State	CT
Zip	06385-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	7827
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3006
Census Tract	693300

Owner

91 Spithead Rd is owned and occupied by an individual who acquired it in September 2024.

Source: Waterford Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	91 SPITHEAD RD, WATERFORD, CT 06385-1918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jun 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CHARTER OAK FCU
Sep 23, 2024	Quit Claim Deed, Transfer · ARM CHARTER OAK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2018 · Amount on File
Deed Sale	Apr 27, 2018 · Amount on File
Deed Book / Page	1552 / 40
Last Transfer Date	Sep 17, 2024
Transfer Doc	001871-562
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	91 SPITHEAD RD, WATERFORD, CT 06385-1918
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001722-337
Date	Jun 25, 2021
Book Page	1722/337
Instrument	161235

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jul 1, 2045

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERFORD CT
Recording Date	Sep 23, 2024
Property Address	91 SPITHEAD RD, WATERFORD, CT 06385-1918
Document Number	001871-562
Book / Page	1871 / 562
Instrument Date	Sep 17, 2024
Instrument	2024175758
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPITHEAD RD, WATERFORD, CT 06385-1918

Mortgage

Document Number	2024175759
Date	Sep 23, 2024
Instrument	2024175759

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Oct 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 91 Spithead Rd was $6,429, up 8.1% from the year before.

Source: Waterford Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Waterford Town
Unified School District	Waterford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,429.00 (+8.07%)	$261,970 (+2.86%) Land $106,550 Building $155,420	$550,028 (+208.53%)
2025	$5,949.00	$254,680 Land $106,550 Building $148,130	$178,276 Land $74,585 Building $103,691
2024	$5,949.00 (+10.19%)
2023	$5,399.00	$254,680 Land $106,550 Building $148,130

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

Flood

FEMA maps place 91 Spithead 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

Wildfire risk around 91 Spithead Rd is low, with less than 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 93% of the US · lower than 86% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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