109 Cottage Rd, Madison, CT 06443 Property Records

Madison Town property record for 109 Cottage Rd, Madison, CT 06443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,805 sqft · built 1987
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Aug 2012)
Tax Bill	$6,664 (2026)
Deeds & Mortgages	Dec 2023 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MADI M:31 B:22`

Property Details

APN / Parcel Number

Primary APN	`MADI M:31 B:22`
Alternative APNs	`00173900` `173900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,805 sqft Living Area
Gross Area	3,496 sqft
1st Floor Area	1,288 sqft
Basement Area	1,276 sqft
Unfinished Basement	1,276 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	173900
Street Address	109 COTTAGE RD
City	MADISON
State	CT
Zip	06443-3424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	22
Jurisdiction	MADISON CT
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1007
Census Tract	194101

Owner

109 Cottage Rd is owned and occupied by two individuals who bought it in August 2012.

Source: Madison Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 COTTAGE RD, MADISON, CT 06443-3424
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC
Apr 8, 2021	Deed of Trust, Mortgage · Balloon Mortgage ATLANTIC HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2012 · Amount on File
Deed Sale	Aug 23, 2012 · Amount on File
Prior Sale	Jun 29, 1998 · Amount on File
Deed Book / Page	1801 / 121
Transfer Doc	0803000343
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	109 COTTAGE RD, MADISON, CT 06443-3424
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02286-1039
Date	Dec 8, 2023
Book Page	2286/1039
Instrument	2023-2472

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	109 COTTAGE RD, MADISON, CT 06443-3424
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2245-29
Date	Nov 1, 2021
Book Page	2245/29
Instrument	4032

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	109 COTTAGE RD, MADISON, CT 06443-3424
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2206-219
Date	Apr 8, 2021
Book Page	2206/219
Instrument	1278

Lender

Name	ATLANTIC HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 109 Cottage Rd was $6,664, up 2.8% from the year before.

Source: Madison Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,664.00 (+2.81%)	$289,000 (-) Land $103,300 Building $185,700	$603,866 (+198.5%)
2025	$6,482.00	$289,000 Land $103,300 Building $185,700	$202,300 Land $72,310 Building $129,990
2024	$6,482.00 (+7.6%)
2023	$6,024.00 (+1.91%)	$201,000 (-) Land $79,500 Building $121,500
2022	$5,911.00	$201,000 Land $79,500 Building $121,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Cottage Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

FEMA Flood Zone	Zone X minimal risk
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 Cottage Rd 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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Frontier, T-Mobile, Verizon.

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