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Single Family ResidenceResidential
$522,438$397 / 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 96How 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 $256,000 on Sep 17, 2019

45 GERARD ST

MILFORD, CT 06460
3
Beds
1.5
Baths
1,317 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.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to 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

$522K
$500K low$545K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$256,000 · Sep 17, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,719 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$227,380 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$99,860
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$127,520
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$324,828

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
29
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.minimal

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
CountySOUTH CENTRAL CONNECTICUT
Lot (acres)The size of the land the home sits on, from county records.0.12
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(11)

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.

H
Joseph A. Foran High SchoolB+
High · Grades 9–12 · 0.3 mi
E
Orchard Hills Elementary SchoolC-
Elementary · Grades KG–5 · 0.7 mi
M
East Shore Middle SchoolB+
Middle · Grades 6–8 · 0.9 mi

District: Milford School District

Neighborhood · ZIP 06460These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.67

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.34,502
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,316 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$107,943
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$133,999
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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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 Gerard 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 67% of homes in South Central Connecticut County
  • Costs more per square foot than 88% of homes in South Central Connecticut County
  • Has a smaller lot than 90% of homes in South Central Connecticut County
  • Older than 93% of homes in Morningside / Milford Lawns

What homes are worth in Milford 06460

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

This home
$222K$1.5M

This home is worth more than 53% of homes in Milford 06460.

How it measures up in Milford 06460

The dot is this home. The mark in the middle is the typical home in Milford 06460.

Estimated value$522,438
CheaperTypical $511,797Pricier

Pricier than 53% of homes nearby

Price per ft²$397
CheaperTypical $367Pricier

Pricier than 64% of homes nearby

Living area1,317 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.12 ac
SmallerTypical 0.2 acBigger

Bigger than 21% of homes nearby

Year built1920
OlderTypical 1955Newer

Newer than 15% of homes nearby

How 45 Gerard St ranks against every home in each area.
MeasureThis homeMorningside / Milford LawnsMilford 06460South Central Connecticut County
Estimated valuepricier than$522,43853% of homes53% of homes67% of homes
Price per ft²pricier than$39762% of homes64% of homes88% of homes
Living areabigger than1,317 ft²46% of homes44% of homes37% of homes
Lot sizebigger than0.12 ac23% of homes21% of homes10% of homes
Year builtnewer than19207% of homes15% of homes16% of homes

About 45 Gerard St

How much is 45 Gerard St, Milford, CT worth?

The TopHap Estimate for 45 Gerard St, Milford, CT is $522,438 as of Sep 24, 2026. The likely range is $500,281 to $544,595. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Gerard St, Milford, CT last sell?

45 Gerard St, Milford, CT last sold on Sep 17, 2019 for $256,000, according to the county's recorded deed.

How big is 45 Gerard St, Milford, CT?

45 Gerard St, Milford, CT has 3 bedrooms, 1.5 bathrooms, 1,317 square feet of living space and a 0.12-acre lot.

When was 45 Gerard St, Milford, CT built?

45 Gerard St, Milford, CT was built in 1920, making it 106 years old. It is a conventional home. The building has 2 stories.

What schools serve 45 Gerard St, Milford, CT?

45 Gerard St, Milford, CT is assigned to Joseph A. Foran High School (high), rated B+; Orchard Hills Elementary School (elementary), rated C-; East Shore Middle School (middle), rated B+. All sit in Milford School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Gerard St, Milford, CT compare to other homes in Milford 06460?

Among the 14,182 homes in Milford 06460, it is worth more than 53% of them ($522,438 against a typical $511,797), its price per square foot is higher than 64% of them ($397 against a typical $367), it is bigger than 44% of them (1,317 ft² against a typical 1,392 ft²), its lot is bigger than 21% of them (0.12 ac against a typical 0.2 ac) and it is newer than 15% of them (1920 against a typical 1955). Measured against all of South Central Connecticut County, it is worth more than 67% 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 Gerard St, Milford, CT?

The 2024 property tax bill for 45 Gerard St, Milford, CT was $6,719. The county assessed it at $227,380.

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