161 Middlesex Ave, Chester, CT 06412 Property Records

Chester Town property record for 161 Middlesex Ave, Chester, CT 06412

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,888 sqft · built 2009
Lot Size	4.41 acres (192,100 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (May 2017)
Tax Bill	$14,143 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2020 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`CHES M:10 B:321`

Property Details

APN / Parcel Number

Primary APN	`CHES M:10 B:321`
Alternative APNs	`CSTR M:10 B:321` `00016400` `16400`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,888 sqft Living Area
Basement Area	1,751 sqft
Unfinished Basement	599 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2013
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Shingle
Lot Area	192,100 sqft (4.41 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16400
Street Address	161 MIDDLESEX AVE
City	CHESTER
State	CT
Zip	06412-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	321
Jurisdiction	CHESTER CT
Township / Civil Division	CHESTER
Census Block Group	3
Census Block	3009
Census Tract	600100

Owner

Source: Chester Town assessment roll, 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	2 Individual Names on File
Mailing Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
May 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA
Aug 14, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Mar 14, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
May 1, 2017	Warranty Deed, Transfer PHH HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Deed Book / Page	168 / 316
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000187-491
Date	Oct 14, 2025
Book Page	187/491

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	174-801
Date	May 27, 2020
Book Page	174/801

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Document Number	175-23
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 MIDDLESEX AVE CHESTER CT 064121221, CHESTER, CT 06412-1221

Mortgage

Document Number	175-23
Date	Jul 13, 2020
Book Page	000175/000023

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 12, 2045

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Document Number	170-1066
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 MIDDLESEX AVE CHESTER CT 064121221, CHESTER, CT 06412-1221

Mortgage

Document Number	170-1066
Date	Sep 4, 2018
Book Page	000170/001066

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 3, 2043

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Document Number	170-293
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 MIDDLESEX AVE CHESTER CT 064121221, CHESTER, CT 06412-1221

Mortgage

Document Number	170-293
Date	Apr 12, 2018
Book Page	000170/000293

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 11, 2028

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Document Number	170-1
Book / Page	000170 / 000001
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	161 MIDDLESEX AVE CHESTER CT 064121221, CHESTER, CT 06412-1221

Mortgage

Document Number	170-1
Date	Feb 1, 2018
Book Page	000170/000001

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2048

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTER CT
Recording Date	May 1, 2017
Property Address	161 MIDDLESEX AVE, CHESTER, CT 06412-1221
Document Number	168-316
Book / Page	168 / 316
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$82.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	1680319
Date	May 1, 2017
Instrument	00168/0319

Lender

Name	PHH HOME LOANS LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

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	$14,143.00	$522,270 (+29.91%) Land $74,900 Building $447,370	$365,589 Land $52,430 Building $313,159
2024	$14,143.00 (+18.45%)
2023	$11,940.00 (+0.67%)	$402,030 (-) Land $73,720 Building $328,310
2022	$11,860.00	$402,030 Land $73,720 Building $328,310

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
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 66 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 and 4G LTE (outdoors only)

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