1962 Cape · New Haven County
3 bd · 1.5 ba · 1,640 sq ft · 0.34 ac · List $385,000
4 items before you offer
Pulled from the town clerk, assessor and building department, then checked against the listing.
- Finished basementAsk seller
The listing shows a finished basement. No building permit is on file for that work.
- HeatingVerify
Oil heat. The seller disclosure doesn't say where the tank is, so check for a buried tank.
- WaterVerify
Private well. No water test on record. Test for bacteria, radon and arsenic.
- Assessment$269,500 × 32.5 mills
Connecticut assesses at 70% of market value. Estimated tax: $8,759 a year.
- Flood zoneZone X
Minimal flood risk on the current FEMA map. Flood insurance isn't required.
We read a 46-page inspection report and kept what matters, sorted by urgency and priced.
- Federal Pacific electrical panelFix first
Stab-Lok breakers are a known fire risk, and many insurers ask for a replacement. $2,500–$4,500
- Roof shingles, about 22 years oldPlan for
Probably 2–4 years of life left. $12,000–$18,000
- Water heater from 2011Plan for
Older than its typical lifespan. $1,800–$3,200
- Damp basement wall, north sideMonitor
Efflorescence only. Fix the gutters and grading before paying for waterproofing. $800–$3,500
Suggested repair credit to ask for$4,000–$6,500
The real monthly cost of this house, not just the mortgage. Example uses 10% down at a 6.5% rate.
- Principal & interest$2,190
- Property tax$730
- Maintenance reserve, 1% a year$321
- Heating oil & utilities$310
- Mortgage insurance (PMI)$150
- Homeowners insurance$145
$3,846/mo
Mortgage-only estimate: $2,190
After closing, the same file becomes your home's calendar, bills and savings plan.
- SepOil burner tune-upBooked
- Jan 1Property tax, 2nd installment$4,380
- FebRadon test, closed-house conditionsDue
- AprClean gutters, regrade north wallDIY
- 2029Roof fund: $15,000 target$310/mo
Next town revaluation: check whether your assessment is fairAppeal window
Read for this file:Assessor field cardLand recordsBuilding permitsSeller disclosureFEMA flood mapInspection report