Berlin Town property record for 194 Lower Ln, Berlin, CT 06037
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 2,194 sqft · built 1900 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,840 (Aug 2024) |
| Tax Bill | $5,741 (2025) |
| Deeds & Mortgages | Aug 2024 Sale & Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | BERL M:9-4 B:91 L:67 |
| Primary APN | BERL M:9-4 B:91 L:67 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,194 sqft Living Area |
| Gross Area | 4,375 sqft |
| 1st Floor Area | 1,020 sqft |
| Attic | Attic |
| Attic Area | 768 sqft |
| Basement Area | 1,020 sqft |
| Unfinished Basement | 1,020 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1059730 |
|---|---|
| Street Address | 194 LOWER LN |
| City | BERLIN |
| State | CT |
| Zip | 06037-2231 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R-11 |
| Legal Block | 91 |
| Legal Lot Number | 67 |
| Jurisdiction | BERLIN CT |
| Township / Civil Division | BERLIN |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 400102 |
Source: Berlin Town records, as of October 9, 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 | 194 LOWER LN, BERLIN, CT 06037-2231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 15, 2024 | Executor's Deed, Transfer · Stand-Alone First Mortgage NEW AMERICAN FUNDING |
| Jun 27, 2019 | Deed of Trust, Mortgage · FHA Mortgage FINANCE AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2024 · Amount on Record |
| Deed Sale | Aug 15, 2024 · Amount on Record |
| Deed Book / Page | 827 / 863 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | BERLIN CT |
| Recording Date | Aug 15, 2024 |
| Property Address | 194 LOWER LN, BERLIN, CT 06037-2231 |
| Document Number | 000827-863 |
| Book / Page | 827 / 863 |
| Instrument Date | Aug 13, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2115870016 |
|---|---|
| Date | Aug 15, 2024 |
| Instrument | 2115870016 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERLIN CT |
| Property Address | 194 LOWER LN, BERLIN, CT 06037-2231 |
| Document Number | 759-420 |
| Instrument Date | Jun 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2019 |
| Title Company | UNKNOWN |
| Name | Verified Name |
|---|---|
| Address | 194 LOWER LN BERLIN CT 060372231, BERLIN, CT 06037-2231 |
| Document Number | 759-420 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 000759/000420 |
| Instrument | 1511530017 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 876 Months |
| Due | Jul 1, 2092 |
| Rate Type | Adjustable Rate |
|---|
Source: Berlin Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Berlin Town |
| Unified School District | Berlin School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,741.00 | $187,300 (-) Land $79,600 Building $107,700 | $131,110 Land $55,720 Building $75,390 |
| 2024 | $5,741.00 (+3.68%) | ||
| 2023 | $5,537.00 (+14.38%) | $187,300 (+32.74%) Land $79,600 Building $107,700 | |
| 2022 | $4,841.00 | $141,100 Land $65,800 Building $75,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective August 29, 2025
| 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WORTHINGTON FIRE DISTRICT serves 2,875 people · EPA ID CT0070031 |
|---|---|
| Water Source | Purchased surface water from BERLIN WATER CONTROL COMMISSION |
| Last State Inspection | Nov 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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