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Single Family ResidenceResidential
$1,684,316$324 / 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 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $800,000 on Sep 8, 2006

20 NIANTIC RIVER RD

WATERFORD, CT 06385
5
Beds
4
Baths
5,199 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.
0.96 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.7M
$1.4M low$2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$800,000 · Sep 8, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$25,308 (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.$1,083,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$493,170
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$590,230
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,083,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$758,380

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.166 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.Colonial
CountySOUTHEASTERN CONNECTICUT
Lot (acres)The size of the land the home sits on, from county records.0.96
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)

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
Oswegatchie Elementary SchoolB
Elementary · Grades PK–5 · 2.3 mi
H
Waterford High SchoolA-
High · Grades 9–12 · 2.5 mi
M
Clark Lane Middle SchoolB-
Middle · Grades 6–8 · 3.0 mi

District: Waterford School District

Neighborhood · ZIP 06385These 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.58
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.54

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.12,297
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.443 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,760
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$112,241
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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

20 Niantic River Rd 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.

  • Among the most valuable homes in Waterford 06385
  • Costs more per square foot than 73% of homes in Southeastern Connecticut County
  • Among the largest homes in Waterford 06385
  • Has a bigger lot than 81% of homes in Waterford 06385
  • Newer than 94% of homes in Waterford 06385

What homes are worth in Waterford 06385

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

This home
$205K$1.1M

This home is worth more than almost all homes in Waterford 06385.

How it measures up in Waterford 06385

The dot is this home. The mark in the middle is the typical home in Waterford 06385.

Estimated value$1,684,316
CheaperTypical $431,244Pricier

Pricier than almost all homes nearby

Price per ft²$324
CheaperTypical $291Pricier

Pricier than 68% of homes nearby

Living area5,199 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than almost all homes nearby

Lot size0.96 ac
SmallerTypical 0.44 acBigger

Bigger than 81% of homes nearby

Year built2003
OlderTypical 1965Newer

Newer than 94% of homes nearby

How 20 Niantic River Rd ranks against every home in each area.
MeasureThis homeWaterford 06385Southeastern Connecticut County
Estimated valuepricier than$1,684,316almost all homesalmost all homes
Price per ft²pricier than$32468% of homes73% of homes
Living areabigger than5,199 ft²almost all homesalmost all homes
Lot sizebigger than0.96 ac81% of homes66% of homes
Year builtnewer than200394% of homes90% of homes

About 20 Niantic River Rd

How much is 20 Niantic River Rd, Waterford, CT worth?

The TopHap Estimate for 20 Niantic River Rd, Waterford, CT is $1,684,316 as of Aug 30, 2026. The likely range is $1,416,731 to $1,951,901. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Niantic River Rd, Waterford, CT last sell?

20 Niantic River Rd, Waterford, CT last sold on Sep 8, 2006 for $800,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20 Niantic River Rd, Waterford, CT?

20 Niantic River Rd, Waterford, CT has 5 bedrooms, 4 bathrooms, 5,199 square feet of living space and a 0.96-acre lot.

When was 20 Niantic River Rd, Waterford, CT built?

20 Niantic River Rd, Waterford, CT was built in 2003, making it 23 years old. It is a colonial home. The building has 2 stories.

What schools serve 20 Niantic River Rd, Waterford, CT?

20 Niantic River Rd, Waterford, CT is assigned to Oswegatchie Elementary School (elementary), rated B; Waterford High School (high), rated A-; Clark Lane Middle School (middle), rated B-. All sit in Waterford School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Niantic River Rd, Waterford, CT compare to other homes in Waterford 06385?

Among the 6,719 homes in Waterford 06385, it is worth more than almost all of them ($1,684,316 against a typical $431,244), its price per square foot is higher than 68% of them ($324 against a typical $291), it is bigger than almost all of them (5,199 ft² against a typical 1,456 ft²), its lot is bigger than 81% of them (0.96 ac against a typical 0.44 ac) and it is newer than 94% of them (2003 against a typical 1965). Measured against all of Southeastern Connecticut County, it is worth more than almost all 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 20 Niantic River Rd, Waterford, CT?

The 2025 property tax bill for 20 Niantic River Rd, Waterford, CT was $25,308. The county assessed it at $1,083,400.

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