181 Smith St, Middletown, CT 06457 Property Records

Middletown City property record for 181 Smith St, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,337 sqft · built 1958
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Feb 2022)
Tax Bill	$6,512 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:06 L:0037`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:06 L:0037`
Alternative APN	`R02521`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,337 sqft Living Area
Gross Area	3,270 sqft
1st Floor Area	1,011 sqft
Attic	Attic
Attic Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	674 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R02521
Street Address	181 SMITH ST
City	MIDDLETOWN
State	CT
Zip	06457-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Lot Number	37
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3000
Census Tract	541401

Owner

Source: Middletown City 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	Individual Name on Record
Mailing Address	181 SMITH ST, MIDDLETOWN, CT 06457-1739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Nov 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Prior Sale	Dec 13, 2016 · Amount on Record
Deed Document Number	20223681060003
Deed Book / Page	2037 / 312
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Feb 16, 2022
Property Address	181 SMITH ST, MIDDLETOWN, CT 06457-1739
Document Number	002037-312
Book / Page	2037 / 312
Instrument Date	Feb 15, 2022
Instrument	3681060003
Transaction Type	Transfer
Record Updated	Feb 6, 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	181 SMITH ST, MIDDLETOWN, CT 06457-1739

Mortgage

Document Number	3681070016
Date	Feb 16, 2022
Instrument	3681070016

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	181 SMITH ST, MIDDLETOWN, CT 06457-1739
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1987-819
Date	Nov 30, 2020
Book Page	1987/819
Instrument	3571320018

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: Middletown City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Middletown City
Unified School District	Middletown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,512.00 (+5.03%)	$184,050 (-) Land $63,760 Building $120,290	$367,906 (+185.56%)
2025		$184,050 (-) Land $63,760 Building $120,290	$128,835 Land $44,632 Building $84,203
2024	$6,200.00 (+5.46%)	$184,050 (-) Land $63,760 Building $120,290
2023	$5,879.00 (+19.59%)	$184,050 (+40.45%) Land $63,760 Building $120,290
2022	$4,916.00	$131,040 Land $40,270 Building $90,770

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 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 98% of the US · lower than 97.2% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MIDDLETOWN WATER DEPARTMENT serves 41,019 people · EPA ID CT0830011
Water Source	Surface water
Last State Inspection	Aug 2023
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	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 259 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Frontier, T-Mobile.

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