Waterford Town property record for 96 Spithead Rd, Waterford, CT 06385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,502 sqft · built 1963 |
| Lot Size | 3.03 acres (131,987 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $189,000 (Jul 2013) |
| Tax Bill | $5,504 (2026) |
| Deeds & Mortgages | Oct 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WATE M:130 L:7828 |
| Primary APN | WATE M:130 L:7828 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,502 sqft Living Area |
| Gross Area | 3,004 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 131,987 sqft (3.03 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 731000 |
|---|---|
| Street Address | 96 SPITHEAD RD |
| City | WATERFORD |
| State | CT |
| Zip | 06385-1919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 |
| Legal Lot Number | 7828 |
| Jurisdiction | WATERFORD CT |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 693300 |
96 Spithead Rd is owned and occupied by two individuals who bought it in July 2013.
Source: Waterford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 96 SPITHEAD RD, WATERFORD, CT 06385-1919 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2013 · Amount on File |
| Deed Sale | Jul 1, 2013 · Amount on File |
| Deed Book / Page | 1317 / 7 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERFORD CT |
| Property Address | 96 SPITHEAD RD, WATERFORD, CT 06385-1919 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001884-447 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | 1884/447 |
| Instrument | 179766 |
| Name | CHARTER OAK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2035 |
The 2026 property tax bill for 96 Spithead Rd was $5,504, up 5.5% 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 | $5,504.00 (+5.5%) | $224,280 (+0.42%) Land $109,320 Building $114,960 | $391,512 (+150.43%) |
| 2025 | $5,217.00 | $223,340 Land $109,320 Building $114,020 | $156,338 Land $76,524 Building $79,814 |
| 2024 | $5,217.00 (+10.18%) | ||
| 2023 | $4,735.00 | $223,340 Land $109,320 Building $114,020 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 96 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 risk around 96 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 94% of the US · lower than 90% 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.
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 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 |
5G (outdoors only) and 4G LTE
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