2 Cottage St, Middletown, CT 06457 Property Records

Middletown City property record for 2 Cottage St, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,452 sqft · built 1909
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jun 2025)
Tax Bill	$5,588 (2026)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:26 L:0428`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:26 L:0428`
Alternative APN	`R09176`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,452 sqft Living Area
Gross Area	3,002 sqft
1st Floor Area	750 sqft
Attic	Attic
Attic Area	702 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R09176
Street Address	2 COTTAGE ST
City	MIDDLETOWN
State	CT
Zip	06457-3710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MXR
Legal Lot Number	428
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2021
Census Tract	541700

Owner

Source: Middletown City records, as of October 20, 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	6 KINGSLEY CT, ROCKY HILL, CT 06067-3308
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage PEOPLESBANK (HOLYOKE MA)
Jul 21, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2025 · Amount on Record
Deed Sale	Jun 27, 2025 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Book / Page	2124 / 733
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Jun 27, 2025
Property Address	2 COTTAGE ST, MIDDLETOWN, CT 06457-3710
Document Number	002124-733
Book / Page	2124 / 733
Instrument Date	Jun 27, 2025
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Amount	Amount Recorded
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	6 KINGSLEY CT, ROCKY HILL, CT 06067-3308

Mortgage

Document Number	0002124735
Date	Jun 27, 2025
Instrument	2124/735

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Jul 21, 2021
Property Address	2 COTTAGE ST, MIDDLETOWN, CT 06457-3710
Document Number	002014-884
Book / Page	2014 / 884
Instrument Date	Jul 19, 2021
Instrument	3631570003
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
Relationship	Joint Tenants
Address	2 COTTAGE ST, MIDDLETOWN, CT 06457-3710

Mortgage

Document Number	3631580015
Date	Jul 21, 2021
Instrument	3631580015

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,588.00 (+4.88%)	$136,960 (-) Land $48,040 Building $88,920	$283,548 (+195.76%)
2025		$136,960 (-) Land $48,040 Building $88,920	$95,872 Land $33,628 Building $62,244
2024	$5,328.00 (+5.71%)	$136,960 (-) Land $48,040 Building $88,920
2023	$5,040.00 (+22.66%)	$136,960 (+46.67%) Land $48,040 Building $88,920
2022	$4,109.00	$93,380 Land $27,310 Building $66,070

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 November 28, 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.

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	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 354 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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