20 Elm St, Berlin, CT 06037 Property Records

Berlin Town property record for 20 Elm St, Berlin, CT 06037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,748 sqft · built 2001
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Dec 2011)
Tax Bill	$8,420 (2025)
Deeds & Mortgages	Jul 2021 Refinance Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BERL M:5-3 B:123 L:1-A`

Property Details

APN / Parcel Number

Primary APN	`BERL M:5-3 B:123 L:1-A`
Alternative APNs	`BRLN M:5-3 B:123 L:1-A` `1460583` `460583`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,748 sqft Living Area
Gross Area	4,067 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Attached
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1460583
Street Address	20 ELM ST
City	BERLIN
State	CT
Zip	06037-1614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-43
Legal Block	123
Legal Lot Number	1-A
Jurisdiction	BERLIN CT
Township / Civil Division	BERLIN
Census Block Group	2
Census Block	2000
Census Tract	400101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20 ELM ST, BERLIN, CT 06037-1614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 26, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2011 · Amount on File
Deed Sale	Dec 27, 2011 · Amount on File
Prior Sale	Aug 16, 2011 · Amount on File
Deed Book / Page	659 / 708
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CT
Property Address	20 ELM ST, BERLIN, CT 06037-1614
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000791-11
Date	Jul 2, 2021
Book Page	791/11

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Aug 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CT
Property Address	20 ELM ST, BERLIN, CT 06037-1614
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000794-283
Date	Sep 13, 2021
Book Page	794/283

Lender

Name	ROCKET MORTGAGE

Agreement

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

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CT
Property Address	20 ELM ST, BERLIN, CT 06037-1614
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000817-542
Date	Jul 26, 2023
Book Page	817/542

Lender

Name	ION BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,420.00	$274,700 (-) Land $99,600 Building $175,100	$192,290 Land $69,720 Building $122,570
2024	$8,420.00 (+3.69%)
2023	$8,120.00 (+5.89%)	$274,700 (+22.91%) Land $99,600 Building $175,100
2022	$7,668.00	$223,500 Land $91,800 Building $131,700

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

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 93% of the US · lower than 86% of Connecticut
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BERLIN WATER CONTROL COMMISSION serves 5,128 people · EPA ID CT0070021
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	25 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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