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Single Family ResidenceResidential
$660,895$391 / 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 93How 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 $489,000 on May 28, 2021

97 OSWEGATCHIE RD

WATERFORD, CT 06385
3
Beds
2 / 2
Baths
1,690 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.
0.89 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$661K
$617K low$705K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$489,000 · May 28, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,540 (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.$511,020 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$393,090
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$117,930
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$507,820
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$657,727

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.117 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Colonial
CountySOUTHEASTERN CONNECTICUT
Lot (acres)The size of the land the home sits on, from county records.0.89
ConstructionThe main material the home's frame and walls are built from.Stone
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
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(2)

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 · 0.5 mi
M
Clark Lane Middle SchoolB
Middle · Grades 6–8 · 3.2 mi
H
Waterford High SchoolB+
High · Grades 9–12 · 3.2 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

97 Oswegatchie 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.

  • Worth more than 87% of homes in Southeastern Connecticut County
  • Costs more per square foot than 90% of homes in Waterford 06385
  • Has a bigger lot than 78% of homes in Waterford 06385
  • Older than 93% 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
$230K$1.2M

This home is worth more than 84% 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$660,895
CheaperTypical $431,307Pricier

Pricier than 84% of homes nearby

Price per ft²$391
CheaperTypical $292Pricier

Pricier than 90% of homes nearby

Living area1,690 ft²
SmallerTypical 1,467 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.89 ac
SmallerTypical 0.45 acBigger

Bigger than 78% of homes nearby

Year built1910
OlderTypical 1964Newer

Newer than 7% of homes nearby

How 97 Oswegatchie Rd ranks against every home in each area.
MeasureThis homeWaterford 06385Southeastern Connecticut County
Estimated valuepricier than$660,89584% of homes87% of homes
Price per ft²pricier than$39190% of homes89% of homes
Living areabigger than1,690 ft²61% of homes60% of homes
Lot sizebigger than0.89 ac78% of homes62% of homes
Year builtnewer than19107% of homes13% of homes

About 97 Oswegatchie Rd

How much is 97 Oswegatchie Rd, Waterford, CT worth?

The TopHap Estimate for 97 Oswegatchie Rd, Waterford, CT is $660,895 as of Sep 24, 2026. The likely range is $616,927 to $704,863. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 97 Oswegatchie Rd, Waterford, CT last sell?

97 Oswegatchie Rd, Waterford, CT last sold on May 28, 2021 for $489,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 97 Oswegatchie Rd, Waterford, CT?

97 Oswegatchie Rd, Waterford, CT has 3 bedrooms, 2 bathrooms, 1,690 square feet of living space and a 0.89-acre lot.

When was 97 Oswegatchie Rd, Waterford, CT built?

97 Oswegatchie Rd, Waterford, CT was built in 1910, making it 116 years old. It is a colonial home. The building has 2 stories.

What schools serve 97 Oswegatchie Rd, Waterford, CT?

97 Oswegatchie 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 97 Oswegatchie Rd, Waterford, CT compare to other homes in Waterford 06385?

Among the 6,719 homes in Waterford 06385, it is worth more than 84% of them ($660,895 against a typical $431,307), its price per square foot is higher than 90% of them ($391 against a typical $292), it is bigger than 61% of them (1,690 ft² against a typical 1,467 ft²), its lot is bigger than 78% of them (0.89 ac against a typical 0.45 ac) and it is newer than 7% of them (1910 against a typical 1964). Measured against all of Southeastern Connecticut County, it is worth more than 87% 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 97 Oswegatchie Rd, Waterford, CT?

The 2026 property tax bill for 97 Oswegatchie Rd, Waterford, CT was $12,540. The county assessed it at $511,020.

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