95 Flat Rock Rd, Branford, CT 06405 Property Records

Branford Town property record for 95 Flat Rock Rd, Branford, CT 06405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,125 sqft · built 1987
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Oct 1996)
Tax Bill	$9,613 (2026)
Deeds & Mortgages	Jan 2025 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BRAN M:J07-000 B:002 L:006.1`

Property Details

APN / Parcel Number

Primary APN	`BRAN M:J07-000 B:002 L:006.1`
Alternative APNs	`J07 000/002 006.1` `11843`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,125 sqft Living Area
Gross Area	4,778 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11843
Street Address	95 FLAT ROCK RD
City	BRANFORD
State	CT
Zip	06405-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	2
Legal Lot Number	6.1
Jurisdiction	BRANFORD CT
Township / Civil Division	BRANFORD
Census Block Group	1
Census Block	1002
Census Tract	184600

Owner

95 Flat Rock Rd is owned and occupied by an individual who bought it in October 1996.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	95 FLAT ROCK RD, BRANFORD, CT 06405-3353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Apr 23, 2021	Deed of Trust, Mortgage · Balloon Mortgage MEMBERS MORTGAGE COMPANY INC
Jan 25, 2019	Deed of Trust, Mortgage · Line of Credit DISCOVER BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 1996 · Amount on File
Deed Sale	Oct 11, 1996 · Amount on File
Deed Book / Page	615 / 407
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	95 FLAT ROCK RD, BRANFORD, CT 06405-3353
Transaction Type	Mortgage
Record Updated	Jan 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001400-445
Date	Jan 17, 2025
Book Page	1400/445

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2040

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	95 FLAT ROCK RD, BRANFORD, CT 06405-3353
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1312-591
Date	Apr 23, 2021
Book Page	1312/591
Instrument	3229700015

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANFORD CT
Property Address	95 FLAT ROCK RD, BRANFORD, CT 06405-3353
Document Number	1255-374
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 FLAT ROCK RD BRANFORD CT 064053353, BRANFORD, CT 06405-3353

Mortgage

Document Number	1255-374
Date	Feb 4, 2019
Book Page	001255/000374
Instrument	8930008

Lender

Name	DISCOVER BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 3, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 95 Flat Rock Rd was $9,613, up 3.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,613.00 (+3.55%)	$433,800 (-) Land $118,700 Building $315,100	$681,717 (+124.5%)
2025	$9,283.00	$433,800 Land $118,700 Building $315,100	$303,660 Land $83,090 Building $220,570
2024	$9,283.00 (+10.96%)
2023	$8,366.00 (+1.49%)	$279,900 (-) Land $103,700 Building $176,200
2022	$8,243.00	$279,900 Land $103,700 Building $176,200

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

Flood

FEMA maps place 95 Flat Rock 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 95 Flat Rock 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.

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 47 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

Cell Coverage

5G (outdoors only) and 4G LTE

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