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Single Family ResidenceResidential
$439,518$382 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $115,000 on Apr 4, 1994

45 CROSS RD

WATERFORD, CT 06385
1
Beds
2
Baths
1,152 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.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$440K
$415K low$465K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$115,000 · Apr 4, 1994

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,848 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$238,310 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$70,740
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$167,570
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$235,140
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$416,802

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.0.50
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.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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 · 0.8 mi
M
Clark Lane Middle SchoolB
Middle · Grades 6–8 · 2.1 mi
H
Waterford High SchoolB+
High · Grades 9–12 · 2.3 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

45 Cross 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.

  • Costs more per square foot than 87% of homes in Southeastern Connecticut County
  • Smaller than 74% of homes in Southeastern Connecticut County
  • Newer than 98% 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
$199K$1.2M

This home is worth more than 51% of 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$439,518
CheaperTypical $435,000Pricier

Pricier than 51% of homes nearby

Price per ft²$382
CheaperTypical $295Pricier

Pricier than 86% of homes nearby

Living area1,152 ft²
SmallerTypical 1,464 ft²Bigger

Bigger than 27% of homes nearby

Lot size0.5 ac
SmallerTypical 0.45 acBigger

Bigger than 59% of homes nearby

Year built2016
OlderTypical 1964Newer

Newer than 98% of homes nearby

How 45 Cross Rd ranks against every home in each area.
MeasureThis homeWaterford 06385Southeastern Connecticut County
Estimated valuepricier than$439,51851% of homes57% of homes
Price per ft²pricier than$38286% of homes87% of homes
Living areabigger than1,152 ft²27% of homes26% of homes
Lot sizebigger than0.5 ac59% of homes49% of homes
Year builtnewer than201698% of homes98% of homes

About 45 Cross Rd

How much is 45 Cross Rd, Waterford, CT worth?

The TopHap Estimate for 45 Cross Rd, Waterford, CT is $439,518 as of Oct 21, 2026. The likely range is $414,520 to $464,516. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Cross Rd, Waterford, CT last sell?

45 Cross Rd, Waterford, CT last sold on Apr 4, 1994 for $115,000, according to the county's recorded deed.

How big is 45 Cross Rd, Waterford, CT?

45 Cross Rd, Waterford, CT has 1 bedrooms, 2 bathrooms, 1,152 square feet of living space and a 0.50-acre lot.

When was 45 Cross Rd, Waterford, CT built?

45 Cross Rd, Waterford, CT was built in 2016, making it 10 years old. It is a colonial home. The building has 2 stories.

What schools serve 45 Cross Rd, Waterford, CT?

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

How does 45 Cross Rd, Waterford, CT compare to other homes in Waterford 06385?

Among the 6,719 homes in Waterford 06385, it is worth more than 51% of them ($439,518 against a typical $435,000), its price per square foot is higher than 86% of them ($382 against a typical $295), it is bigger than 27% of them (1,152 ft² against a typical 1,464 ft²), its lot is bigger than 59% of them (0.5 ac against a typical 0.45 ac) and it is newer than 98% of them (2016 against a typical 1964). Measured against all of Southeastern Connecticut County, it is worth more than 57% 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 45 Cross Rd, Waterford, CT?

The 2026 property tax bill for 45 Cross Rd, Waterford, CT was $5,848. The county assessed it at $238,310.

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Assigned schools

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