12 Middlesex Ave, Chester, CT 06412 Property Records

Chester Town property record for 12 Middlesex Ave, Chester, CT 06412

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,612 sqft · built 1952
Lot Size	1.87 acres (81,457 sqft)
Owner	Individual Name on Record
Last Sale	$262,000 (Feb 2022)
Tax Bill	$5,294 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHES M:15 B:90`

Property Details

APN / Parcel Number

Primary APN	`CHES M:15 B:90`
Alternative APNs	`CSTR M:15 B:90` `00091100` `91100`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,612 sqft Living Area
Gross Area	2,703 sqft
Basement Area	995 sqft
Unfinished Basement	995 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,457 sqft (1.87 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	91100
Street Address	12 MIDDLESEX AVE
City	CHESTER
State	CT
Zip	06412-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	90
Jurisdiction	CHESTER CT
Township / Civil Division	CHESTER
Census Block Group	1
Census Block	1008
Census Tract	600100

Owner

Source: Chester Town records, as of June 25, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	12 MIDDLESEX AVE, CHESTER, CT 06412-1309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Line of Credit ESSEX BANK
Feb 23, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST WORLD MORTGAGE CORPORATION
Dec 8, 2020	Deed of Trust, Mortgage · Balloon Mortgage ESSEX SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Deed Document Number	2022475
Deed Book / Page	180 / 753
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Recording Date	Apr 23, 2026
Property Address	12 MIDDLESEX AVE, CHESTER, CT 06412-1309
Document Number	000188-683
Book / Page	188 / 683
Instrument Date	Apr 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MIDDLESEX AVE, CHESTER, CT 06412-1309
Investor	Possibly a Property Investor

Mortgage

Document Number	0188000683,
Date	Apr 23, 2026
Book Page	188/683

Lender

Name	ESSEX BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate	6%
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTER CT
Recording Date	Feb 23, 2022
Property Address	12 MIDDLESEX AVE, CHESTER, CT 06412-1309
Document Number	000180-753
Book / Page	180 / 753
Instrument Date	Feb 23, 2022
Instrument	20220-00000475
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000180756
Date	Feb 23, 2022
Instrument	180/756

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	12 MIDDLESEX AVE, CHESTER, CT 06412-1309
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	176-784
Date	Dec 8, 2020
Book Page	176/784

Lender

Name	ESSEX SAVINGS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	193 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Chester Town
Elementary School District	Chester School District (PK - 06)
Secondary School District	Regional School District 04 (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,294.00	$195,510 (+22.03%) Land $61,600 Building $133,910	$136,857 Land $43,120 Building $93,737
2024	$5,294.00 (+11.27%)
2023	$4,758.00 (+0.68%)	$160,210 (-) Land $61,640 Building $98,570
2022	$4,726.00	$160,210 Land $61,640 Building $98,570

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

Flood

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 100 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

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	0.01% annual chance
Exposure	Direct burnable vegetation

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-CHESTER SYSTEM private · serves 5,030 people · EPA ID CT0261031
Water Source	Surface water
Last State Inspection	Mar 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 131 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

Cell Coverage

5G (outdoors only) and 4G LTE

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