14 Joseph St, Manchester, CT 06042 Property Records

Manchester Town property record for 14 Joseph St, Manchester, CT 06042

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,120 sqft · built 1962
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Nov 2025)
Tax Bill	$5,356 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`320000014`

Property Details

APN / Parcel Number

Primary APN	`320000014`
Alternative APNs	`MANC M:75 B:3200 L:14` `MCHS M:75 B:3200 L:14`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	320000014
Street Address	14 JOSEPH ST
City	MANCHESTER
State	CT
Zip	06042-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	3200
Legal Lot Number	14
Jurisdiction	MANCHESTER CT
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1006
Census Tract	514400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Manchester Historic District (Boundary Increase) listed 2001 · 914 contributing resources · NRIS 01000881

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Manchester 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	14 JOSEPH ST, MANCHESTER, CT 06042-3104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit NUTMEG STATE FEDERAL CREDIT UNION
Oct 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NUTMEG STATE FINANCIAL CREDIT UNION
Nov 17, 2025	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Feb 13, 2017	Deed of Trust, Mortgage MEMBERS MORTGAGE COMPANY INC
Aug 28, 2018	Deed of Trust, Mortgage NUTMEG STATE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Prior Sale	Feb 25, 1994 · Amount on Record
Deed Book / Page	4778 / 832
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	14 JOSEPH ST, MANCHESTER, CT 06042-3104
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004657-645
Date	Jul 14, 2021
Book Page	4657/645
Instrument	6588420010

Lender

Name	NUTMEG STATE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	145 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	14 JOSEPH ST, MANCHESTER, CT 06042-3104
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004701-110
Date	Oct 11, 2022
Book Page	4701/110

Lender

Name	NUTMEG STATE FINANCIAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	205 Months
Due	Nov 1, 2039

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Nov 17, 2025
Property Address	14 JOSEPH ST, MANCHESTER, CT 06042-3104
Document Number	004778-832
Book / Page	4778 / 832
Instrument Date	Nov 14, 2025
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	6944190025
Date	Nov 17, 2025
Instrument	6944190025

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	14 JOSEPH ST, MANCHESTER, CT 06042-3104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4413-112
Date	Feb 13, 2017
Book Page	4413/112
Instrument	6154080015

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2032

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	14 JOSEPH ST, MANCHESTER, CT 06042-3104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4551-53
Date	Aug 28, 2018
Book Page	4551/53
Instrument	6303600010

Lender

Name	NUTMEG STATE FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,356.00	$134,500 (-) Land $35,100 Building $99,400	$94,150 Land $24,570 Building $69,580
2024	$5,356.00 (+7.06%)
2023	$5,003.00 (+2%)	$134,500 (-) Land $35,100 Building $99,400
2022	$4,905.00	$134,500 Land $35,100 Building $99,400

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 August 29, 2025

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	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	MANCHESTER WATER DEPARTMENT serves 51,198 people · EPA ID CT0770021
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 459 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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