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Single Family ResidenceResidential
$1,415,280$1,005 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $700,000 on Nov 29, 2005

186 WATER ST

STONINGTON, CT 06378
3
Beds
2
Baths
1,408 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.4M
$1.2M low$1.6M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$700,000 · Nov 29, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,193 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$648,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$257,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$391,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$648,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$453,950

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
98
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.151 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.92%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountySOUTHEASTERN CONNECTICUT
Lot (acres)The size of the land the home sits on, from county records.0.25
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Dean's Mill Elementary SchoolA
Elementary · Grades KG–5 · 1.9 mi
M
Stonington Middle SchoolA-
Middle · Grades 6–8 · 2.4 mi
H
Stonington High SchoolA+
High · Grades 9–12 · 3.2 mi

District: Stonington School District

Neighborhood · ZIP 06378These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.66
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.5,226
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.211 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$113,016
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$159,008
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

186 Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in Southeastern Connecticut County
  • Among the highest price per square foot in Southeastern Connecticut County
  • Smaller than 69% of homes in Stonington 06378
  • Has a smaller lot than 76% of homes in Southeastern Connecticut County

What homes are worth in Stonington 06378

Each bar is how many homes fall in that price range. The marker is this home.

This home
$375K$3M

This home is worth more than 83% of homes in Stonington 06378.

How it measures up in Stonington 06378

The dot is this home. The mark in the middle is the typical home in Stonington 06378.

Estimated value$1,415,280
CheaperTypical $842,972Pricier

Pricier than 83% of homes nearby

Price per ft²$1005
CheaperTypical $419Pricier

Pricier than 96% of homes nearby

Living area1,408 ft²
SmallerTypical 1,852 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.25 ac
SmallerTypical 0.93 acBigger

Bigger than 29% of homes nearby

How 186 Water St ranks against every home in each area.
MeasureThis homeStonington 06378Southeastern Connecticut County
Estimated valuepricier than$1,415,28083% of homes98% of homes
Price per ft²pricier than$100596% of homesalmost all homes
Living areabigger than1,408 ft²31% of homes44% of homes
Lot sizebigger than0.25 ac29% of homes24% of homes

About 186 Water St

How much is 186 Water St, Stonington, CT worth?

The TopHap Estimate for 186 Water St, Stonington, CT is $1,415,280 as of Sep 24, 2026. The likely range is $1,207,764 to $1,622,796. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 186 Water St, Stonington, CT last sell?

186 Water St, Stonington, CT last sold on Nov 29, 2005 for $700,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 186 Water St, Stonington, CT?

186 Water St, Stonington, CT has 3 bedrooms, 2 bathrooms, 1,408 square feet of living space and a 0.25-acre lot.

What schools serve 186 Water St, Stonington, CT?

186 Water St, Stonington, CT is assigned to Dean's Mill Elementary School (elementary), rated A; Stonington Middle School (middle), rated A-; Stonington High School (high), rated A+. All sit in Stonington School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 186 Water St, Stonington, CT compare to other homes in Stonington 06378?

Among the 2,941 homes in Stonington 06378, it is worth more than 83% of them ($1,415,280 against a typical $842,972), its price per square foot is higher than 96% of them ($1005 against a typical $419), it is bigger than 31% of them (1,408 ft² against a typical 1,852 ft²) and its lot is bigger than 29% of them (0.25 ac against a typical 0.93 ac). Measured against all of Southeastern Connecticut County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 186 Water St, Stonington, CT?

The 2025 property tax bill for 186 Water St, Stonington, CT was $13,193. The county assessed it at $648,500.

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