20 Bruce Rd, Manchester, CT 06040 Property Records

Manchester Town property record for 20 Bruce Rd, Manchester, CT 06040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,446 sqft · built 1951
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2019)
Tax Bill	$7,152 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`076000020`

Property Details

APN / Parcel Number

Primary APN	`076000020`
Alternative APNs	`MCHS M:82 B:760 L:20` `MANC M:82 B:760 L:20` `76000020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,446 sqft Living Area
Gross Area	3,426 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Unfinished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	76000020
Street Address	20 BRUCE RD
City	MANCHESTER
State	CT
Zip	06040-7009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA
Legal Block	760
Legal Lot Number	20
Jurisdiction	MANCHESTER CT
Township / Civil Division	MANCHESTER
Census Block Group	4
Census Block	4000
Census Tract	515102

Owner

20 Bruce Rd is owned and occupied by an individual who bought it in August 2019.

Source: Manchester Town records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	20 BRUCE RD, MANCHESTER, CT 06040-7009
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
Aug 12, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Oct 10, 2018	Warranty Deed, Transfer · Conventional with PMI FINANCE AMERICA
Aug 29, 2017	Warranty Deed, Transfer · Conventional Mortgage MATTHEW TRACY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2019 · Amount on File
Deed Sale	Aug 12, 2019 · Amount on File
Prior Sale	Oct 10, 2018 · Amount on File
Deed Document Number	20196412280002
Deed Book / Page	4596 / 823
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Aug 12, 2019
Property Address	20 BRUCE RD, MANCHESTER, CT 06040-7009
Document Number	4596-823
Book / Page	004596 / 000823
Instrument Date	Aug 6, 2019
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BRUCE RD MANCHESTER CT 060407009, MANCHESTER, CT 06040-7009

Mortgage

Document Number	4596-825
Date	Aug 12, 2019
Book Page	004596/000825

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Oct 10, 2018
Property Address	20 BRUCE RD, MANCHESTER, CT 06040-7009
Document Number	4561-229
Book / Page	004561 / 000229
Instrument Date	Oct 3, 2018
Instrument	6314340003
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BRUCE RD MANCHESTER CT 060407009, MANCHESTER, CT 06040-7009

Mortgage

Document Number	4561-232
Date	Oct 10, 2018
Book Page	004561/000232
Instrument	6314350016

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Aug 29, 2017
Property Address	20 BRUCE RD, MANCHESTER, CT 06040-7009
Document Number	4465-25
Book / Page	004465 / 000025
Instrument Date	Aug 29, 2017
Instrument	621256
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 BRUCE RD MANCHESTER CT 060407009, MANCHESTER, CT 06040-7009

Mortgage

Document Number	4465-28
Date	Aug 29, 2017
Book Page	004465/000028
Instrument	621257

Lender

Name	MATTHEW TRACY
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Bruce Rd was $7,152.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,152.00	$179,600 Land $50,300 Building $129,300	$125,720 Land $35,210 Building $90,510
2024	$7,152.00 (+7.05%)
2023	$6,681.00 (+2.99%)	$179,600 (-) Land $50,300 Building $129,300
2022	$6,487.00	$179,600 Land $50,300 Building $129,300

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

Flood

FEMA maps place 20 Bruce Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20 Bruce Rd is low, with a 0.02% annual chance of 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	0.02% 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	MANCHESTER WATER DEPARTMENT serves 51,198 people · EPA ID CT0770021
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) 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 100 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

Cell Coverage

5G and 4G LTE (outdoors only)

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