115 Harbor Ave, Madison, CT 06443 Property Records

Madison Town property record for 115 Harbor Ave, Madison, CT 06443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,999 sqft · built 1928
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (May 2026)
Tax Bill	$13,638 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`MADI M:13 B:86`

Property Details

APN / Parcel Number

Primary APN	`MADI M:13 B:86`
Alternative APNs	`00030900` `30900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,999 sqft Living Area
Gross Area	5,122 sqft
1st Floor Area	1,878 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	30900
Street Address	115 HARBOR AVE
City	MADISON
State	CT
Zip	06443-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Block	86
Jurisdiction	MADISON CT
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3016
Census Tract	194102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	115 HARBOR AVE, MADISON, CT 06443-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA
Dec 23, 2020	Deed of Trust, Mortgage · Balloon Mortgage ESSEX SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Aug 17, 2012 · Amount on Record
Deed Document Number	2026999
Deed Book / Page	2312 / 995
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON CT
Recording Date	May 22, 2026
Property Address	115 HARBOR AVE, MADISON, CT 06443-2815
Document Number	002312-995
Book / Page	2312 / 995
Instrument Date	May 6, 2026
Instrument	2026999
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
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	115 HARBOR AVE, MADISON, CT 06443-2815
Investor	Possibly a Property Investor

Mortgage

Date	May 22, 2026

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Type Change Date	Jun 1, 2031
Index	Other
Margin	3
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	115 HARBOR AVE, MADISON, CT 06443-2815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2185-305
Date	Dec 23, 2020
Book Page	2185/305
Instrument	3908

Lender

Name	ESSEX SAVINGS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$13,638.00 (+2.81%)	$591,400 (-) Land $336,300 Building $254,100	$1,337,904 (+223.18%)
2025	$13,265.00	$591,400 (+50.68%) Land $336,300 Building $255,100	$413,980 Land $235,410 Building $178,570
2024	$13,265.00 (+12.77%)
2023	$11,763.00 (+2.32%)	$392,500 (+0.41%) Land $239,200 Building $153,300
2022	$11,496.00	$390,900 Land $239,200 Building $151,700

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

Flood

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures