Waterford, CT
Southeastern Connecticut41.3430°N, 72.1291°W
Tracking 7,918 properties across Waterford, Connecticut — a community where the median home dates to 1963 and the oldest to 1690. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
7,918
Properties Tracked
1963
Median Year Built
$296K
Median Assessed Value
9%
FEMA Flood Zone
2.21M
NEP Data Facts Tracked
73%
Coastal Zone
Click any parcel to view intelligence
Waterford, CTInc. 1801
Waterford is a suburban town on Long Island Sound south of New London, with the Millstone Nuclear Power Station as one of its most significant features. The town has suburban single-family neighborhoods, waterfront properties along the Sound and the Niantic River, and the commercial corridors along Route 1 and I-95.
For property professionals, Waterford is a moderate market with coastal exposure, the unique dynamics of a nuclear plant neighbor, and a housing stock that spans from waterfront to suburban.
Risk Profile
FEMA flood zones, fire protection grades, radon, coastal exposure, storm surge — parcel by parcel
FEMA Flood Zones
710 properties (9%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
7,208
AE
525
VE
146
A
39
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
1,259
Grade B
4,260
Grade C
1,881
Grade D
315
Grade E
203
Coastal & Water Exposure
5,764 properties (73%) are within 3 miles of the ocean. 1,259 are classified as waterfront. The closest property is 0 ft from the coastline.
506
SLR 1 ft
Properties affected
550
SLR 3 ft
Properties affected
727
SLR 6 ft
Properties affected
1,546
Surge Exposure
Cat 1/2/3/4
636
Estuary
Waterfront
158
Pond
Waterfront
23
Lake
Waterfront
Zone 2
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
30 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
7,918 properties · Median year built 1963 · Avg 2,420 sf
Property Types
Single Family
6,018
Condominium
562
Residential Other
423
Institutional
315
Commercial
175
Other
162
Agricultural / Open Space
83
Two-Family
56
Vacant Land
42
Multi-Family
34
Construction by Era
Pre-1800
22
1800-1849
41
1850-1899
143
1900-1949
1,596
1950-1979
2,983
1980-1999
1,598
2000+
635
Architectural Styles
Ranch
1,827
Colonial
1,503
Cape Cod
1,202
Raised Ranch
682
Condominium
552
Conventional
309
Split Level
242
Contemporary
157
Market Activity
Recorded transactions from Southeastern Connecticut Registry of Deeds
68%
Owner-Occupied
5%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 98% of Waterford properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Living in Waterford
Southeastern Connecticut · Connecticut
Zip Codes02861063200633306357063700637506382063850647506716
19,571
Population
2020 Census
7,918
Properties
$296K
Median Assessed
68%
Owner-Occupied
32.9
Square Miles
Waterford covers 32.9 square miles in Southeastern Connecticut, Connecticut. The median assessed property value is $296K.
Single-family homes account for 6,018 of Waterford's 7,918 properties, with 562 condominiums and 98 multi-family buildings. There are 175 commercial properties and 42 parcels of vacant land. About 68% of properties are owner-occupied, and 5% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $222K and $404K, with the highest assessed property at $185.6M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most of Waterford (81%) is on municipal sewer, and 93% have public water service. Electric service is provided by MOHEGAN TRIBAL UTILITY AUTHORITY. 1,665 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Waterford its character.
What Waterford Property Intelligence Means for Professionals
Insurance & Underwriting
With 9% of properties in FEMA flood zones and 73% in the coastal zone, Waterford concentrates several major underwriting variables. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Waterford's 10 property types, spanning construction from 1690 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 9% of Waterford properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Waterford property intelligence.
7,918 Waterford properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/waterford-ct. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.