190 Main St, Sterling, CT 06377 Property Records

Sterling Town property record for 190 Main St, Sterling, CT 06377

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,630 sqft · built 1900
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Sep 2022)
Tax Bill	$2,806 (2026)
Deeds & Mortgages	May 2022 Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00054800`

Property Details

APN / Parcel Number

Primary APN	`00054800`
Alternative APNs	`STLN M:03844 B:017 L:0022` `STER M:03844 B:017 L:0022` `54800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,630 sqft Living Area
Gross Area	2,686 sqft
1st Floor Area	1,144 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	54800
Street Address	190 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	22
Jurisdiction	STERLING CT
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3007
Census Tract	908100

Owner

190 Main St is owned and occupied by two individuals who bought it in September 2022.

Source: Sterling Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	190 MAIN ST, STERLING, CT 06377-1823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2022 · Amount on File
Deed Sale	Sep 21, 2022 · Amount on File
Prior Sale	Sep 6, 2005 · Amount on File
Deed Document Number	20221026
Deed Book / Page	172 / 267
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING CT
Property Address	190 MAIN ST, STERLING, CT 06377-1823
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000170-914
Date	May 19, 2022
Book Page	170/914
Instrument	2022000476

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	205 Months
Due	Jun 1, 2039

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STERLING CT
Recording Date	Sep 21, 2022
Property Address	190 MAIN ST, STERLING, CT 06377-1823
Document Number	000172-267
Book / Page	172 / 267
Instrument Date	Sep 20, 2022
Instrument	2022001026
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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

Mortgage

Document Number	2022001027
Date	Sep 21, 2022
Instrument	2022001027

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 190 Main St was $2,806, down 25.6% from the year before.

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
2026	$2,806.00 (-25.55%)	$121,940 (-28.81%) Land $20,350 Building $101,590
2025	$3,769.00	$171,300 Land $39,900 Building $131,400	$119,910 Land $27,930 Building $91,980
2024	$3,769.00 (-0.97%)
2023	$3,806.00 (+6.7%)	$171,300 (+53.37%) Land $39,900 Building $131,400
2022	$3,567.00	$111,690 Land $16,100 Building $95,590

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 190 Main St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 190 Main St is low, with a 0.01% annual chance of 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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