20 Joseph St, Manchester, CT 06042 Property Records

Manchester Town property record for 20 Joseph St, Manchester, CT 06042

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1953
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Apr 2018)
Tax Bill	$5,467 (2025)
Deeds & Mortgages	Jul 2026 Second Mortgage Nov 2024 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`320000020`

Property Details

APN / Parcel Number

Primary APN	`320000020`
Alternative APNs	`MANC M:75 B:3200 L:20` `MCHS M:75 B:3200 L:20`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,274 sqft Living Area
Gross Area	2,542 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Solar

Location & Zoning

Account Number	320000020
Street Address	20 JOSEPH ST
City	MANCHESTER
State	CT
Zip	06042-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	3200
Legal Lot Number	20
Jurisdiction	MANCHESTER CT
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1006
Census Tract	514400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Manchester Historic District (Boundary Increase) listed 2001 · 914 contributing resources · NRIS 01000881

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Manchester Town records, as of August 5, 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	Individual Name on Record
Mailing Address	45 GOODWIN ST, MANCHESTER, CT 06040-4399
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 15, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Apr 9, 2018	Warranty Deed, Transfer · FHA Mortgage CBC NATIONAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2018 · Amount on Record
Deed Sale	Apr 9, 2018 · Amount on Record
Prior Sale	Oct 16, 2014 · Amount on Record
Deed Document Number	20186267930002
Deed Book / Page	4515 / 190
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Recording Date	Jul 17, 2026
Property Address	20 JOSEPH ST, MANCHESTER, CT 06042-3104
Document Number	4795000942
Book / Page	4795 / 942
Instrument Date	Jul 13, 2026
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JOSEPH ST, MANCHESTER, CT 06042-3104

Mortgage

Document Number	4795000942,
Date	Jul 17, 2026
Book Page	4795/942

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.52%
Max Rate	-1%

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	20 JOSEPH ST, MANCHESTER, CT 06042-3104
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004750-870
Date	Nov 15, 2024
Book Page	4750/870

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	20 JOSEPH ST, MANCHESTER, CT 06042-3104
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004668-769
Date	Oct 18, 2021
Book Page	4668/769

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Apr 9, 2018
Property Address	20 JOSEPH ST, MANCHESTER, CT 06042-3104
Document Number	4515-190
Book / Page	4515 / 190
Instrument	6267930002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.87
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	45150192
Date	Apr 9, 2018
Instrument	04515/0192

Lender

Name	CBC NATIONAL BK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

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	$5,467.00	$137,300 (-) Land $35,100 Building $102,200	$96,110 Land $24,570 Building $71,540
2024	$5,467.00 (+7.03%)
2023	$5,108.00 (+2.02%)	$137,300 (-) Land $35,100 Building $102,200
2022	$5,007.00	$137,300 Land $35,100 Building $102,200

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	Not rated no burnable land within 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	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 459 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
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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