191 Spencer St, Suffield, CT 06078 Property Records

Suffield Town property record for 191 Spencer St, Suffield, CT 06078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,942 sqft · built 1995
Lot Size	1.53 acres (66,647 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jun 2024)
Tax Bill	$6,994 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jun 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R30009`

Property Details

APN / Parcel Number

Primary APN	`R30009`
Alternative APNs	`SUFF M:00030 B:00025 L:059-2` `M:00030 B:00025 L:00592`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,942 sqft Living Area
Gross Area	3,977 sqft
Basement Area	1,040 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	66,647 sqft (1.53 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R30009
Street Address	191 SPENCER ST
City	SUFFIELD
State	CT
Zip	06078-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R25
Legal Block	25
Legal Lot Number	59-2
Jurisdiction	SUFFIELD CT
Township / Civil Division	SUFFIELD
Census Block Group	3
Census Block	3010
Census Tract	477101

Owner

Source: Suffield 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	Individual Name on Record
Mailing Address	191 SPENCER ST, SUFFIELD, CT 06078-2525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2025	Deed of Trust, Mortgage · Line of Credit MODERN MTG FNCL LLC
Jun 24, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 24, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2024 · Amount on Record
Deed Sale	Jun 24, 2024 · Amount on Record
Prior Sale	Feb 24, 2014 · Amount on Record
Deed Book / Page	588 / 513
Prior Transfer Date	Jun 21, 2024
Prior Transfer Doc	0000589-97
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFIELD CT
Property Address	191 SPENCER ST, SUFFIELD, CT 06078-2525
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000597-934
Date	Aug 1, 2025
Book Page	597/934
Instrument	2471080025

Lender

Name	MODERN MTG FNCL LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.98%
Type Change Date	Oct 1, 2030
Index	1-Year CMT

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFIELD CT
Recording Date	Jun 24, 2024
Property Address	191 SPENCER ST, SUFFIELD, CT 06078-2525
Document Number	000588-513
Book / Page	588 / 513
Instrument Date	Jun 21, 2024
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Amount	Amount Recorded
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
Address	191 SPENCER ST, SUFFIELD, CT 06078-2525

Mortgage

Document Number	2434730016
Date	Jun 24, 2024
Instrument	2434730016

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFIELD CT
Recording Date	Jul 24, 2024
Property Address	191 SPENCER ST, SUFFIELD, CT 06078-2525
Document Number	0000589-97
Book / Page	589 / 97
Instrument Date	Jun 21, 2024
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Suffield Town
Unified School District	Suffield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,994.00	$298,760 (+34.47%) Land $65,590 Building $233,170	$209,132 Land $45,913 Building $163,219
2024	$6,994.00 (+10.02%)
2023	$6,357.00	$222,180 (-) Land $65,590 Building $156,590
2022	$6,357.00	$222,180 Land $65,590 Building $156,590

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 29, 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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