121 Judd Hill Rd, Middlebury, CT 06762 Property Records

Middlebury Town property record for 121 Judd Hill Rd, Middlebury, CT 06762

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,877 sqft · built 2007
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Oct 2018)
Tax Bill	$13,021 (2025)
Deeds & Mortgages	Oct 2022 Refinance Feb 2025 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:7-06 L:076`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:7-06 L:076`
Alternative APNs	`MDBY M:7-06 L:076` `L0164600`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,877 sqft Living Area
Gross Area	6,344 sqft
1st Floor Area	1,658 sqft
Basement Area	1,658 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,223 sqft (1.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	L0164600
Street Address	121 JUDD HILL RD
City	MIDDLEBURY
State	CT
Zip	06762-2918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	76
Jurisdiction	MIDDLEBURY CT
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2011
Census Tract	344200

Owner

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	2 Individual Names on Record
Mailing Address	121 JUDD HILL RD, MIDDLEBURY, CT 06762-2918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WATERBURY TEACHERS FEDERAL CREDIT UNION
Feb 26, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance WATERBURY TEACHERS FEDERAL CREDIT UNION
Jun 5, 2020	Deed of Trust, Mortgage · Balloon Mortgage WATERBURY TEACHERS FEDERAL CREDIT UNION
Aug 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FM HOME LOANS LLC
Oct 29, 2018	Warranty Deed, Transfer FM HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Deed Book / Page	302 / 887
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	121 JUDD HILL RD, MIDDLEBURY, CT 06762-2918
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000334-229
Date	Oct 3, 2022
Book Page	334/229
Instrument	1738

Lender

Name	WATERBURY TEACHERS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	121 JUDD HILL RD, MIDDLEBURY, CT 06762-2918
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000345-862
Date	Feb 26, 2025
Book Page	345/862
Instrument	2025-162

Lender

Name	WATERBURY TEACHERS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	121 JUDD HILL RD, MIDDLEBURY, CT 06762-2918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	313-631
Date	Jun 5, 2020
Book Page	313/631

Lender

Name	WATERBURY TEACHERS FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	121 JUDD HILL RD, MIDDLEBURY, CT 06762-2918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	306-850
Date	Aug 5, 2019
Book Page	306/850

Lender

Name	FM HOME LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEBURY CT
Recording Date	Oct 29, 2018
Property Address	121 JUDD HILL RD, MIDDLEBURY, CT 06762-2918
Document Number	302-887
Book / Page	302 / 887
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.14
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	3020889
Date	Oct 29, 2018
Instrument	00302/0889

Lender

Name	FM HOME LOANS LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2048

Tax Assessment & Valuation

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	$13,021.00	$400,400 (-) Land $70,700 Building $329,700	$572,000 Land $101,000 Building $471,000
2024	$13,021.00 (+0.81%)
2023	$12,917.00 (+3.2%)	$400,400 (-) Land $70,700 Building $329,700
2022	$12,517.00	$400,400 Land $70,700 Building $329,700

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 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HERITAGE WATER COMPANY private · serves 7,300 people · EPA ID CT1300021
Water Source	Purchased surface water from CTWC - NAUGATUCK REGION-CENTRAL SYSTEM
Last State Inspection	Jun 2024
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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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