188 Main St, Sterling, CT 06377 Property Records

Sterling Town property record for 188 Main St, Sterling, CT 06377

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,298 sqft · built 1890
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,350 (Jan 2020)
Tax Bill	$2,873 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00054600`

Property Details

APN / Parcel Number

Primary APN	`00054600`
Alternative APNs	`STLN M:03844 B:017 L:0023` `STER M:03844 B:017 L:0023` `54600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,298 sqft Living Area
Gross Area	2,352 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	54600
Street Address	188 MAIN ST
City	STERLING
State	CT
Zip	06377-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Block	17
Legal Lot Number	23
Jurisdiction	STERLING CT
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3007
Census Tract	908100

Owner

Source: Sterling 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	2 Individual Names on Record
Mailing Address	188 MAIN ST, STERLING, CT 06377-1823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FREEDOM MORTGAGE CORP
Oct 26, 2017	Warranty Deed, Transfer JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Prior Sale	Oct 26, 2017 · Amount on Record
Deed Document Number	202037
Deed Book / Page	160 / 242
Record Updated	Sep 20, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STERLING CT
Recording Date	Jan 27, 2020
Property Address	188 MAIN ST, STERLING, CT 06377-1823
Document Number	160-242
Book / Page	160 / 242
Instrument Date	Jan 23, 2020
Instrument	202020000037
Transaction Type	Transfer
Record Updated	May 21, 2021

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
Relationship	Joint Tenants with Right of Survivorship
Address	188 MAIN ST, STERLING, CT 06377-1823

Mortgage

Document Number	2020000038
Date	Jan 27, 2020
Instrument	2020000038

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STERLING CT
Recording Date	Oct 26, 2017
Property Address	188 MAIN ST, STERLING, CT 06377-1823
Document Number	153-129
Book / Page	000153 / 000129
Instrument Date	Oct 26, 2017
Transaction Type	Transfer
Record Updated	Nov 14, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 MAIN ST STERLING CT 063771823, STERLING, CT 06377-1823

Mortgage

Document Number	153-131
Date	Oct 26, 2017
Book Page	000153/000131

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Sterling Town
Elementary School District	Sterling School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,873.00	$130,600 (-) Land $31,200 Building $99,400	$91,420 Land $21,840 Building $69,580
2024	$2,873.00 (-1%)
2023	$2,902.00 (+22.09%)	$130,600 (+75.49%) Land $31,200 Building $99,400
2022	$2,377.00	$74,420 Land $11,780 Building $62,640

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	STERLING WATER SYSTEM serves 308 people · EPA ID CT1360011
Water Source	Groundwater
Last State Inspection	Aug 2022
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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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