24 Spencer Dr, Middletown, CT 06457 Property Records

Middletown City property record for 24 Spencer Dr, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1955
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jul 2023)
Tax Bill	$5,773 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:15 L:0005`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:15 L:0005`
Alternative APN	`R01331`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	2,028 sqft
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	456 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R01331
Street Address	24 SPENCER DR
City	MIDDLETOWN
State	CT
Zip	06457-3559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Lot Number	5
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2012
Census Tract	542100

Owner

24 Spencer Dr is owned and occupied by an individual who bought it in July 2023.

Source: Middletown City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	24 SPENCER DR, MIDDLETOWN, CT 06457-3559
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
Jul 12, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Aug 17, 2017	Deed of Trust, Mortgage IFREEDOM DIRECT
Jan 10, 2017	Warranty Deed, Transfer IFREEDOM DIRECT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023 · Amount on File
Deed Sale	Jul 12, 2023 · Amount on File
Prior Sale	Jan 10, 2017 · Amount on File
Deed Book / Page	2076 / 706
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Jul 12, 2023
Property Address	24 SPENCER DR, MIDDLETOWN, CT 06457-3559
Document Number	002076-706
Book / Page	2076 / 706
Instrument Date	Jul 7, 2023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	24 SPENCER DR, MIDDLETOWN, CT 06457-3559

Mortgage

Document Number	0002076708
Date	Jul 12, 2023
Instrument	2076/708

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	24 SPENCER DR, MIDDLETOWN, CT 06457-3559
Document Number	1902-719
Book / Page	001902 / 000719
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SPENCER DR MIDDLETOWN CT 064573559, MIDDLETOWN, CT 06457-3559

Mortgage

Document Number	1902-719
Date	Sep 5, 2017
Book Page	001902/000719
Instrument	334959

Lender

Name	IFREEDOM DIRECT

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Jan 10, 2017
Property Address	24 SPENCER DR, MIDDLETOWN, CT 06457-3559
Document Number	1885-69
Book / Page	001885 / 000069
Instrument Date	Jan 3, 2017
Instrument	330224
Transaction Type	Transfer
Record Updated	Jan 31, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1885-71,
Date	Jan 10, 2017
Book Page	001885/000071
Instrument	330225

Lender

Name	IFREEDOM DIRECT

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 24 Spencer Dr was $5,773.

Source: Middletown City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Middletown City
Unified School District	Middletown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,773.00	$141,490 (-) Land $54,760 Building $86,730	$277,447 (+180.13%)
2025		$141,490 (-) Land $54,760 Building $86,730	$99,043 Land $38,332 Building $60,711
2024	$5,504.00 (+5.7%)	$141,490 (+4.21%) Land $54,760 Building $86,730
2023	$5,207.00 (+24.48%)	$135,770 (+42.81%) Land $54,760 Building $81,010
2022	$4,183.00	$95,070 Land $36,510 Building $58,560

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 24 Spencer Dr 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 24 Spencer Dr is low, with a 0.01% 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	0.01% 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	MIDDLETOWN WATER DEPARTMENT serves 41,019 people · EPA ID CT0830011
Water Source	Surface water
Last State Inspection	Aug 2023
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	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 281 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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