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20 Pine Street

Waterford, Connecticut 06385

ACTIVE$299,000
Beds
3
Baths
1
SqFt
1,151
Acres
0.11
Year Built
1948
Matt Caiola

Matt Caiola

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MCMATT CAIOLALUXURY PROPERTIES
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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

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

Property + 12 nearby

Estimate Your Payment

Estimated Monthly Payment

Rates: Freddie Mac PMMS via FRED
$1,861

per 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

Similar Properties

Homes with a close match in area, property type, and price.

Listed By

Mary Wisneski

(860) 982-0751

Redfin Corporation

(203) 349-8711

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.