22 E Wharf Rd, Madison, CT 06443 Property Records

Madison Town property record for 22 E Wharf Rd, Madison, CT 06443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,343 sqft · built 1965
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (May 1999)
Tax Bill	$14,221 (2025)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MADI M:28 B:45`

Property Details

APN / Parcel Number

Primary APN	`MADI M:28 B:45`
Alternative APNs	`00138600` `138600`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,343 sqft Living Area
Gross Area	5,113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,923 sqft (1.72 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	138600
Street Address	22 E WHARF RD
City	MADISON
State	CT
Zip	06443-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	45
Jurisdiction	MADISON CT
Township / Civil Division	MADISON
Census Block Group	2
Census Block	2001
Census Tract	194102

Owner

Source: Madison Town records · APN MADI M:28 B:45

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	22 E WHARF RD, MADISON, CT 06443-3114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 1999 · Amount on Record
Deed Sale	May 11, 1999 · Amount on Record
Prior Sale	Dec 15, 1992 · Amount on Record
Deed Book / Page	856 / 200
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Recording Date	May 08, 2026
Property Address	22 E WHARF RD, MADISON, CT 06443-3114
Document Number	002312-372
Book / Page	2312 / 372
Instrument Date	Apr 15, 2026
Instrument	2026888
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 E WHARF RD, MADISON, CT 06443-3114

Mortgage

Document Number	0000000888,
Date	May 08, 2026
Book Page	2312/372
Instrument	2026888

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2051

Interest

Rate	6.22%
Max Rate	-1%

Tax Assessment & Valuation

Source: Madison Town records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,221.00	$634,000 (+32.47%) Land $367,300 Building $266,700	$443,800 Land $257,110 Building $186,690
2024	$14,221.00 (-0.86%)
2023	$14,344.00 (+1.9%)	$478,600 (-) Land $300,700 Building $177,900
2022	$14,076.00	$478,600 Land $300,700 Building $177,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 25, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 90% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 202 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people
Water Source	Surface water
Last State Inspection	Jun 2025
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	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.