112 Tower Rd, Middlebury, CT 06762 Property Records

Middlebury Town property record for 112 Tower Rd, Middlebury, CT 06762

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,128 sqft · built 1997
Lot Size	4.25 acres (185,130 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Oct 2021)
Tax Bill	$7,961 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2024 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:4-06 L:055`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:4-06 L:055`
Alternative APNs	`MDBY M:4-06 L:055` `D0091800`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	5,896 sqft
1st Floor Area	1,424 sqft
Attic	Attic
Attic Area	340 sqft
Basement Area	1,424 sqft
Unfinished Basement	1,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	185,130 sqft (4.25 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	D0091800
Street Address	112 TOWER RD
City	MIDDLEBURY
State	CT
Zip	06762-3137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	55
Jurisdiction	MIDDLEBURY CT
Township / Civil Division	MIDDLEBURY
Census Block Group	3
Census Block	3015
Census Tract	344100

Owner

112 Tower Rd is owned and occupied by an individual who bought it in October 2021.

Source: Middlebury Town records, as of September 25, 2026

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

Owner of Record	Individual Name on File
Mailing Address	112 TOWER RD, MIDDLEBURY, CT 06762-3137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Nov 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Aug 14, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHARTER OAK FCU
Oct 29, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on File
Deed Sale	Oct 29, 2021 · Amount on File
Deed Document Number	20212622
Deed Book / Page	327 / 460
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Recording Date	Jul 7, 2026
Property Address	112 TOWER RD, MIDDLEBURY, CT 06762-3137
Document Number	0000000965
Book / Page	354 / 173
Instrument Date	Jun 5, 2026
Instrument	2026965
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 TOWER RD, MIDDLEBURY, CT 06762-3137

Mortgage

Document Number	0000000965,
Date	Jul 7, 2026
Book Page	354/173
Instrument	2026965

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	112 TOWER RD, MIDDLEBURY, CT 06762-3137
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000344-707
Date	Nov 12, 2024
Book Page	344/707
Instrument	1415

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2064

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	112 TOWER RD, MIDDLEBURY, CT 06762-3137
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000338-552
Date	Aug 14, 2023
Book Page	338/552
Instrument	1260

Lender

Name	CHARTER OAK FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2033

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEBURY CT
Recording Date	Oct 29, 2021
Property Address	112 TOWER RD, MIDDLEBURY, CT 06762-3137
Document Number	000327-460
Book / Page	327 / 460
Instrument Date	Oct 29, 2021
Instrument	2622
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	112 TOWER RD, MIDDLEBURY, CT 06762-3137

Mortgage

Document Number	0000002623
Date	Oct 29, 2021
Instrument	2623

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 112 Tower Rd was $7,961.

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Middlebury Town
Unified School District	Regional School District 15 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,961.00	$244,800 Land $82,700 Building $162,100	$349,714 Land $118,143 Building $231,571
2024	$7,961.00 (+0.81%)
2023	$7,897.00 (+3.2%)	$244,800 (-) Land $82,700 Building $162,100
2022	$7,652.00	$244,800 Land $82,700 Building $162,100

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

Flood

FEMA maps place 112 Tower Rd 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 January 25, 2026

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

Wildfire risk around 112 Tower Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tower Rd

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