109 Commerce St, Clinton, CT 06413 Property Records

Clinton Town property record for 109 Commerce St, Clinton, CT 06413

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,220 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$555,000 (Jan 2025)
Tax Bill	$7,106 (2025)
Deeds & Mortgages	May 2025 Line of Credit Dec 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M0387300`

Property Details

APN / Parcel Number

Primary APN	`M0387300`
Alternative APNs	`CLIN M:45 B:35 L:24` `CLTN M:45 B:35 L:24`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,220 sqft Living Area
Gross Area	2,216 sqft
Basement Area	630 sqft
Unfinished Basement	630 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M0387300
Street Address	109 COMMERCE ST
City	CLINTON
State	CT
Zip	06413-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Block	35
Legal Lot Number	24
Jurisdiction	CLINTON CT
Township / Civil Division	CLINTON
Census Block Group	2
Census Block	2009
Census Tract	610100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Commerce Street Historic District listed 2024 · 59 contributing resources · NRIS 100009867

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

109 Commerce St is owned by an individual who bought it in January 2025.

Source: Clinton Town records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	10 DOHM AVE, GUILFORD, CT 06437-2120
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2025	Deed of Trust, Mortgage · Line of Credit SIKORSKY FINANCIAL CREDIT UNION INC
Dec 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jan 7, 2025	Warranty Deed, Transfer
Apr 16, 2024	Warranty Deed, Transfer · Commercial Mortgage COLLINS FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2025 · Amount on File
Deed Sale	Jan 7, 2025 · Amount on File
Prior Sale	Apr 16, 2024 · Amount on File
Deed Book / Page	560 / 206
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON CT
Property Address	109 COMMERCE ST, CLINTON, CT 06413-2056
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000562-469
Date	May 7, 2025
Book Page	562/469
Instrument	1728370019

Lender

Name	SIKORSKY FINANCIAL CREDIT UNION INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	97 Months
Due	Jun 1, 2033

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON CT
Property Address	109 COMMERCE ST, CLINTON, CT 06413-2056
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000553-910
Date	Dec 7, 2023
Book Page	553/910
Instrument	1701010005

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2049

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON CT
Recording Date	Jan 7, 2025
Property Address	109 COMMERCE ST, CLINTON, CT 06413-2056
Document Number	000560-206
Book / Page	560 / 206
Instrument Date	Dec 27, 2024
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 DOHM AVE, GUILFORD, CT 06437-2120

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON CT
Recording Date	Apr 16, 2024
Property Address	109 COMMERCE ST, CLINTON, CT 06413-2056
Document Number	000555-650
Book / Page	555 / 650
Instrument Date	Apr 11, 2024
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1706740024
Date	Apr 16, 2024
Instrument	1706740024

Lender

Name	COLLINS FUNDING LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 109 Commerce St was $7,106.

Source: Clinton Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Clinton Town
Unified School District	Clinton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,106.00	$228,200 Land $121,300 Building $106,900	$159,740 Land $84,910 Building $74,830
2024	$7,106.00 (+29.32%)
2023	$5,495.00	$184,200 (-) Land $121,300 Building $62,900
2022	$5,495.00	$184,200 Land $121,300 Building $62,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 109 Commerce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 109 Commerce St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people · EPA ID CT0608011
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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