191 Congdon St E, Middletown, CT 06457 Property Records

Middletown City property record for 191 Congdon St E, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,372 sqft · built 1949
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Jun 2025)
Tax Bill	$7,980 (2026)
Deeds & Mortgages	Sep 2021 Refinance Jun 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:11 L:0427`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:11 L:0427`
Alternative APN	`R02866`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
Gross Area	3,222 sqft
1st Floor Area	980 sqft
Attic	Attic
Attic Area	980 sqft
Basement Area	980 sqft
Unfinished Basement	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	22,651 sqft (0.52 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R02866
Street Address	191 CONGDON ST E
City	MIDDLETOWN
State	CT
Zip	06457-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Lot Number	427
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2003
Census Tract	541200

Owner

191 Congdon St E is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	191 CONGDON ST E, MIDDLETOWN, CT 06457-2129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Jun 5, 2025	Warranty Deed, Transfer · Line of Credit NFM LENDING
Apr 2, 2018	Warranty Deed, Transfer · FHA Mortgage WILLIAM RAVEIS MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2025 · Amount on File
Deed Sale	Jun 5, 2025 · Amount on File
Prior Sale	Apr 2, 2018 · Amount on File
Deed Book / Page	2123 / 110
Transfer Doc	1811-429
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	191 CONGDON ST E, MIDDLETOWN, CT 06457-2129
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022-451
Date	Sep 28, 2021
Book Page	2022/451
Instrument	3647220014

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Jun 5, 2025
Property Address	191 CONGDON ST E, MIDDLETOWN, CT 06457-2129
Document Number	002123-110
Book / Page	2123 / 110
Instrument Date	May 14, 2025
Transaction Type	Transfer
Record Updated	Nov 25, 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	0002123112
Date	Jun 5, 2025
Instrument	2123/112

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Apr 2, 2018
Property Address	191 CONGDON ST E, MIDDLETOWN, CT 06457-2129
Document Number	1916-811
Book / Page	1916 / 811
Instrument	3389300002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.47
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	19160813
Date	Apr 2, 2018
Instrument	01916/0813

Lender

Name	WILLIAM RAVEIS MTG CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 191 Congdon St E was $7,980.

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	$7,980.00	$195,580 (-) Land $67,250 Building $128,330	$348,500 (+154.55%)
2025		$195,580 Land $67,250 Building $128,330	$136,906 Land $47,075 Building $89,831
2024	$7,608.00 (+10.82%)
2023	$6,865.00 (+9.59%)	$195,580 (+37.38%) Land $67,250 Building $128,330
2022	$6,264.00	$142,360 Land $44,840 Building $97,520

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 191 Congdon St E 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 191 Congdon St E 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 95% of the US · lower than 92% of Connecticut
Wildfire Likelihood	Under 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	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 222 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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