940 Prospect Rd, Cheshire, CT 06410 Property Records

Cheshire Town property record for 940 Prospect Rd, Cheshire, CT 06410

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1860
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,578 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CHES M:48 B:132 L`

Property Details

APN / Parcel Number

Primary APN	`CHES M:48 B:132 L`
Alternative APNs	`CSHR M:48 B:132 L` `393700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
Gross Area	4,154 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	117,612 sqft (2.7 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	393700
Street Address	940 PROSPECT RD
City	CHESHIRE
State	CT
Zip	06410-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	132
Jurisdiction	CHESHIRE CT
Township / Civil Division	CHESHIRE
Census Block Group	2
Census Block	2019
Census Tract	343200

Owner

940 Prospect Rd is owned and occupied by two individuals who acquired it in September 2023.

Source: Cheshire Town records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	940 PROSPECT RD, CHESHIRE, CT 06410-1923
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
Mar 13, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 21, 2023	Quit Claim Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 14, 2018	Quit Claim Deed, Transfer Quitclaim
May 14, 2018	Quit Claim Deed, Transfer Quitclaim
May 14, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2023
Deed Sale	Sep 21, 2023
Deed Document Number	20232023002798
Deed Book / Page	3193 / 302
Prior Transfer Date	Sep 15, 2023
Prior Transfer Doc	003193-302
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESHIRE CT
Property Address	940 PROSPECT RD, CHESHIRE, CT 06410-1923
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003244-422
Date	Mar 13, 2025
Book Page	3244/422
Instrument	2025000594

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESHIRE CT
Recording Date	Sep 21, 2023
Property Address	940 PROSPECT RD, CHESHIRE, CT 06410-1923
Document Number	003193-302
Book / Page	3193 / 302
Instrument Date	Sep 15, 2023
Instrument	2023002798
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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
Relationship	Joint Tenants
Address	940 PROSPECT RD, CHESHIRE, CT 06410-1923

Mortgage

Document Number	2023002799
Date	Sep 21, 2023
Instrument	2023002799

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESHIRE CT
Recording Date	May 14, 2018
Property Address	940 PROSPECT RD, CHESHIRE, CT 06410-1923
Document Number	2849-268
Book / Page	002849 / 000268
Instrument Date	Apr 25, 2018
Instrument	1707
Transaction Type	Transfer
Record Updated	Jan 12, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESHIRE CT
Recording Date	May 14, 2018
Property Address	940 PROSPECT RD, CHESHIRE, CT 06410-1923
Document Number	2849-270
Book / Page	002849 / 000270
Instrument Date	Apr 25, 2018
Instrument	1708
Transaction Type	Transfer
Record Updated	Jan 12, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESHIRE CT
Recording Date	May 14, 2018
Property Address	940 PROSPECT RD, CHESHIRE, CT 06410-1923
Document Number	2849-274
Book / Page	002849 / 000274
Instrument Date	Apr 25, 2018
Instrument	1710
Transaction Type	Transfer
Record Updated	Jan 12, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 940 Prospect Rd was $6,578.

Source: Cheshire Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,578.00	$221,200 Land $76,860 Building $144,340	$316,000 Land $109,800 Building $206,200
2024	$6,578.00 (+18.46%)
2023	$5,553.00 (+2.25%)	$158,250 (-) Land $76,830 Building $81,420
2022	$5,431.00	$158,250 Land $76,830 Building $81,420

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

Flood

FEMA maps place 940 Prospect Rd 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 940 Prospect 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	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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100

May also be available: GoNetspeed, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect Rd

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