20 Pine Street
Waterford, Connecticut 06385
- Beds
- 3
- Baths
- 1
- SqFt
- 1,151
- Acres
- 0.11
- Year Built
- 1948
- Property Type
- Single Family

Matt Caiola
Luxury Real Estate Advisor
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About This Home
Welcome to 20 Pine - where undeniable value meets move-in ready in a dynamic commuting location close to everything! Tucked away on a quiet cul-de-sac, this adorable home packs a punch with a surprising amount of versatility all on one level. Upon entry, you're greeted by a harmonious palette, updated LVT flooring, & a wonderful flooplan with great flow. The vaulted ceilinged living room is the perfect place to unwind & entertain (with space for a small dining area, if needed). The updated eat in kitchen features newer S/S appliances, gas cooking, and modern finishes. Beyond, a flex space serves as a great office or den. 3 well-sized bedrooms make this an ideal set-up for owner occupants, house hackers, or investors. The full bath has newer fixtures and beadboard accents. Outside, a tiered front yard has plenty of space for activities and features multiple gardening beds, a utility shed, and a cute patio for al fresco dining. Small rear deck is another place to enjoy the serene setting abutting town green space. Endless retail and dining options are within minutes. Easy access to 95 & Rt 1 - superb for General Dynamics / EB, Pfizer, Coast Guard & more. Short jaunt to fabulous Ocean Beach Park with its famous boardwalk and sandy shores. The perfect mix of suburban and coastal bliss awaits!
Key Facts
- City/Town
- Waterford
- Neighborhood
- N/A
- Property / Style
- Single Family · Ranch
- Year Built
- 1948
- Days on Market
- 19 days
- Beds
- 3
- Baths
- 1 full
- Living Area
- 1,151 sq ft
- Lot Size
- 0.11 acres
- Property Taxes
- $2,830 / Annually
Market Snapshot
The Waterford Market
Single Family · trailing 12 months
Active Listings
24
34 under contract
Median List Price
$479,450
24 active listings
Median Closed Price
$440,000
209 sales
Median Days on Market
12
24 active listings
Median $ / Sq Ft
$281
24 active listings
Sale-to-List Ratio
100.0%
209 sales
How this home compares
List Price
$299,000
vs $479,450 median
37.6% below median
Price / Sq Ft
$260
vs $281 median
7.5% below median
Days on Market
19 days
vs 12 days median
7 days longer than median
Based on 24 active and 209 closed sales (trailing 12 mo) of single family in Waterford. Source: SmartMLS · As of July 28, 2026.
Location
20 Pine Street, Waterford, Connecticut
Estimate Your Payment
Estimated Monthly Payment
Rates: Freddie Mac PMMS via FRED · Updated Jul 23, 2026per month
- Principal & Interest$1,525
- Property Taxes$236
- Insurance$100
- HOA$0
Estimates only. Actual rates, taxes, insurance, and HOA fees vary. Consult a lender for current rates.
Location
- City/Town
- Waterford
- Neighborhood
- N/A
- County
- New London
Residence
- Property Type
- Single Family
- Style
- Ranch
- Year Built
- 1948
- New Construction
- No/Resale
- Living Area
- 1,151 sq ft
Schools
- Elementary
- Per Board of Ed
- Middle
- Per Board of Ed
- High
- Waterford
Interior
- Heating
- Baseboard
- Heat Fuel
- Electric
- Cooling
- Window Unit
- Laundry
- Main Level
- Appliances
- Range HoodDishwasher
- Basement
- None
- Interior Features
- Cable - Available
Exterior & Lot
- Lot Size
- 0.11 acres
- Zoning
- VR-10
- Waterfront Details
- Not Applicable
- Water Source
- Public Water Connected
- Sewer
- Public Sewer Connected
- Construction
- Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation
- Slab
- Exterior Features
- Gutters
- Lot Description
- Fence - PartialLevel Lot
Listing & Financials
- Property Taxes
- $2,830 / Annually
- Days on Market
- 19
- MLS #
- 24188425
- MLS Status
- Active
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This information is believed to be accurate, but without warranty.
The IDX display contains information sourced from SmartMLS, Inc. as of 7/28/2026. This information is provided for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing or leasing. Data is deemed reliable but is not guaranteed accurate by the MLS, the listing broker, the listing agent, or Matt Caiola. Buyers and tenants should independently verify all information that matters to their decision.
Map locations may be approximate. Any offer of compensation, if applicable, is made only to participants of the MLS where the listing is filed. ©2026 Smart MLS, Inc. All rights reserved.
Data last updated on 7/28/2026 at 4:25 AM UTC.