22 Harbor Ave, Madison, CT 06443 Property Records

Madison Town property record for 22 Harbor Ave, Madison, CT 06443

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,926 sqft · built 1895
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,500 (Jun 2021)
Tax Bill	$18,702 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Jun 2022 Refinance + 4 more
Flood Zone	Zone X (moderate risk)
APN	`MADI M:24 B:206`

Property Details

APN / Parcel Number

Primary APN	`MADI M:24 B:206`
Alternative APNs	`00105500` `105500`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,926 sqft Living Area
Gross Area	6,581 sqft
Basement Area	2,047 sqft
Unfinished Basement	2,047 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	105500
Street Address	22 HARBOR AVE
City	MADISON
State	CT
Zip	06443-2837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	206
Jurisdiction	MADISON CT
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3016
Census Tract	194102

Owner

Source: Madison Town 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	2 Individual Names on Record
Mailing Address	22 HARBOR AVE, MADISON, CT 06443-2837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit NORTHWEST COMMUNITY BANK
Jun 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST COMMUNITY BANK
Jun 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST COMMUNITY BANK
Jun 10, 2021	Deed, Transfer · Line of Credit GUILFORD SAVINGS BANK
Jun 10, 2021	Warranty Deed, Transfer
May 11, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on Record
Deed Sale	Jun 10, 2021 · Amount on Record
Prior Sale	Jun 10, 2021 · Amount on Record
Deed Document Number	20212260
Deed Book / Page	2219 / 131
Transfer Doc	2064-2
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	22 HARBOR AVE, MADISON, CT 06443-2837
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002307-550
Date	Nov 26, 2025
Book Page	2307/550
Instrument	2025-2328

Lender

Name	NORTHWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	22 HARBOR AVE, MADISON, CT 06443-2837
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002271-620
Date	Jun 28, 2022
Book Page	2271/620
Instrument	2022-1595

Lender

Name	NORTHWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	22 HARBOR AVE, MADISON, CT 06443-2837
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002271-630
Date	Jun 28, 2022
Book Page	2271/630
Instrument	2022-1596

Lender

Name	NORTHWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2047

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON CT
Recording Date	Jun 10, 2021
Property Address	22 HARBOR AVE, MADISON, CT 06443-2837
Document Number	002219-131
Book / Page	2219 / 131
Instrument Date	May 28, 2021
Instrument	2260
Transaction Type	Transfer
Record Updated	Jul 11, 2023

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
Relationship	Joint Tenants
Address	244 N PINE CREEK RD, FAIRFIELD, CT 06824-4921

Mortgage

Document Number	0000002261
Date	Jun 10, 2021
Instrument	2261

Lender

Name	GUILFORD SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON CT
Recording Date	Jun 10, 2021
Property Address	22 HARBOR AVE, MADISON, CT 06443-2837
Document Number	002219-128
Book / Page	2219 / 128
Instrument Date	May 28, 2021
Instrument	2259
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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	244 N PINE CREEK RD, FAIRFIELD, CT 06824-4921

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON CT
Recording Date	May 11, 2018
Property Address	22 HARBOR AVE, MADISON, CT 06443-2837
Document Number	2064-2
Book / Page	002064 / 000002
Transaction Type	Transfer
Record Updated	Jun 13, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Madison Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$18,702.00 (+2.81%)	$811,000 (-) Land $306,000 Building $495,700	$912,524 (+60.74%)
2025	$18,191.00	$811,000 (+56.41%) Land $306,000 Building $505,000	$567,700 Land $214,200 Building $353,500
2024	$18,191.00 (+17.07%)
2023	$15,539.00 (+51.69%)	$518,500 (+48.87%) Land $217,900 Building $300,600
2022	$10,244.00	$348,300 Land $217,900 Building $130,400

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 January 25, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 99.1% of the US · lower than 99% of Connecticut
Wildfire Likelihood	Under 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	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people · EPA ID CT0608011
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, 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 260 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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