232 W Main St, Chester, CT 06412 Property Records

Chester Town property record for 232 W Main St, Chester, CT 06412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,792 sqft · built 1992
Lot Size	3.27 acres (142,441 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Dec 2017)
Tax Bill	$11,559 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHES M:12 B:246`

Property Details

APN / Parcel Number

Primary APN	`CHES M:12 B:246`
Alternative APNs	`CSTR M:12 B:246` `00088900` `88900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,792 sqft Living Area
Gross Area	3,770 sqft
Basement Area	960 sqft
Unfinished Basement	710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	142,441 sqft (3.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	88900
Street Address	232 W MAIN ST
City	CHESTER
State	CT
Zip	06412-1026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	246
Jurisdiction	CHESTER CT
Township / Civil Division	CHESTER
Census Block Group	2
Census Block	2019
Census Tract	600100

Owner

232 W Main St is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	232 W MAIN ST, CHESTER, CT 06412-1026
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
Feb 8, 2021	Deed of Trust, Mortgage · Balloon Mortgage NEWREZ LLC
Feb 8, 2021	Deed of Trust, Mortgage · Balloon Mortgage NEWREZ LLC
Dec 18, 2017	Warranty Deed, Transfer HOMEBRIDGE FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2017 · Amount on File
Deed Sale	Dec 18, 2017 · Amount on File
Prior Sale	Nov 27, 2012 · Amount on File
Deed Book / Page	169 / 706
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	232 W MAIN ST, CHESTER, CT 06412-1026
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000177-280
Date	Feb 8, 2021
Book Page	177/280

Lender

Name	NEWREZ LLC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	232 W MAIN ST, CHESTER, CT 06412-1026
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	177-280
Date	Feb 8, 2021
Book Page	177/280

Lender

Name	NEWREZ LLC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTER CT
Recording Date	Dec 18, 2017
Property Address	232 W MAIN ST, CHESTER, CT 06412-1026
Document Number	169-706
Book / Page	169 / 706
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.04
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

Mortgage

Document Number	1690708
Date	Dec 18, 2017
Instrument	00169/0708

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Amount	Amount on Record
Term	252 Months
Due	Dec 18, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 232 W Main St was $11,559.

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Chester Town
Elementary School District	Chester School District (PK - 06)
Secondary School District	Regional School District 04 (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,559.00	$426,860 Land $74,830 Building $352,030	$298,802 Land $52,381 Building $246,421
2024	$11,559.00 (+22.12%)
2023	$9,465.00 (+0.67%)	$318,700 (-) Land $74,860 Building $243,840
2022	$9,402.00	$318,700 Land $74,860 Building $243,840

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

Flood

FEMA maps place 232 W Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 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 232 W Main St 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on W Main St

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