186 Main St, Durham, CT 06422 Property Records

Durham Town property record for 186 Main St, Durham, CT 06422

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,100 sqft · built 1835
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (May 2025)
Tax Bill	$9,016 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DURH A0009700`

Property Details

APN / Parcel Number

Primary APN	`DURH A0009700`
Alternative APNs	`A0009700` `38 63`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,100 sqft Living Area
Basement Area	1,015 sqft
Unfinished Basement	1,015 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1835
Effective Year Built	Effective 1835
Architectural Style	Colonial
Exterior Material	Other
Construction Type	Frame
Lot Area	39,204 sqft (0.9 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	A0009700
Street Address	186 MAIN ST
City	DURHAM
State	CT
Zip	06422-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MAIN S
Jurisdiction	DURHAM CT
Township / Civil Division	DURHAM
Census Block Group	3
Census Block	3028
Census Tract	585100

Historic Designation

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

Historic District	Within the Main Street Historic District listed 1986 · 112 contributing resources · NRIS 86002837

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

Owner

Source: Durham Town 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	2 Individual Names on Record
Mailing Address	186 MAIN ST, DURHAM, CT 06422-2106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK
Oct 7, 2025	Deed of Trust, Mortgage LIBERTY BANK
Feb 13, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance MILFORD BANK
May 15, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2025 · Amount on Record
Deed Sale	May 15, 2025 · Amount on Record
Prior Sale	Jul 17, 1995 · Amount on Record
Deed Book / Page	308 / 478
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM CT
Recording Date	Jul 16, 2026
Property Address	186 MAIN ST, DURHAM, CT 06422-2106
Document Number	0312000067
Book / Page	312 / 67
Instrument Date	Jun 30, 2026
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 MAIN ST, DURHAM, CT 06422-2106

Mortgage

Document Number	0312000067,
Date	Jul 16, 2026
Book Page	312/67

Lender

Name	LIBERTY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM CT
Property Address	186 MAIN ST, DURHAM, CT 06422-2106
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000309-846
Date	Oct 7, 2025
Book Page	309/846

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM CT
Property Address	186 MAIN ST, DURHAM, CT 06422-2106
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000307-810
Date	Feb 13, 2025
Book Page	307/810

Lender

Name	MILFORD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2054

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM CT
Recording Date	May 15, 2025
Property Address	186 MAIN ST, DURHAM, CT 06422-2106
Document Number	000308-478
Book / Page	308 / 478
Instrument Date	May 12, 2025
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Durham Town
Unified School District	Regional School District 13 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,016.00 (+29.89%)	$322,000 (+73.45%) Land $109,760 Building $212,240	$453,680 (+249.12%)
2025	$6,941.00	$185,640 (-) Land $72,990 Building $112,650	$129,948 Land $51,093 Building $78,855
2024	$6,941.00 (+7.5%)
2023	$6,457.00 (+0.61%)	$185,640 (-) Land $73,080 Building $112,560
2022	$6,418.00	$185,640 Land $73,080 Building $112,560

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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