190 Smith St, Middletown, CT 06457 Property Records

Middletown City property record for 190 Smith St, Middletown, CT 06457

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,503 sqft · built 1854
Lot Size	1.17 acres (50,965 sqft)
Owner	Individual Name on File
Last Sale	$225,400 (Aug 2004)
Tax Bill	$8,255 (2026)
Deeds & Mortgages	Nov 2024 Refinance Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:06 L:0035`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:06 L:0035`
Alternative APN	`R00423`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,503 sqft Living Area
Gross Area	5,177 sqft
1st Floor Area	1,282 sqft
Attic	Attic
Attic Area	1,221 sqft
Basement Area	1,261 sqft
Unfinished Basement	1,261 sqft

Exterior

Year Built	Built 1854
Effective Year Built	Effective 1854
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R00423
Street Address	190 SMITH ST
City	MIDDLETOWN
State	CT
Zip	06457-1741
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-15
Legal Lot Number	35
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2000
Census Tract	541301

Owner

190 Smith St, a duplex, is owned and occupied by an individual who bought it in August 2004.

Source: Middletown City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	190 SMITH ST, MIDDLETOWN, CT 06457-1741
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LISA DAVIS BAIL BONDS
Apr 28, 2021	Deed of Trust, Mortgage · Balloon Mortgage NEWREZ LLC
May 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2004 · Amount on File
Deed Sale	Aug 3, 2004 · Amount on File
Prior Sale	Dec 15, 1994 · Amount on File
Deed Book / Page	1455 / 634
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	190 SMITH ST, MIDDLETOWN, CT 06457-1741
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002108-768
Date	Nov 7, 2024
Book Page	2108/768

Lender

Name	LISA DAVIS BAIL BONDS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	190 SMITH ST, MIDDLETOWN, CT 06457-1741
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002004-693
Date	Apr 28, 2021
Book Page	2004/693
Instrument	3607860017

Lender

Name	NEWREZ LLC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	190 SMITH ST, MIDDLETOWN, CT 06457-1741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1942-368
Date	May 7, 2019
Book Page	1942/368
Instrument	3461260018

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 190 Smith St was $8,255.

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	$8,255.00	$233,310 (-) Land $72,520 Building $160,790	$346,438 (+112.13%)
2025		$233,310 (-) Land $72,520 Building $160,790	$163,317 Land $50,764 Building $112,553
2024	$7,860.00 (+5.48%)	$233,310 (-) Land $72,520 Building $160,790
2023	$7,452.00 (+25.08%)	$233,310 (+46.92%) Land $72,520 Building $160,790
2022	$5,958.00	$158,800 Land $45,800 Building $113,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire risk around 190 Smith St is low, with less than 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 99.1% of the US · lower than 99% 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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