26 Cowan St, Suffield, CT 06078 Property Records

Suffield Town property record for 26 Cowan St, Suffield, CT 06078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,100 sqft · built 1986
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$109,900 (Apr 1996)
Tax Bill	$4,167 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2025 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R85581`

Property Details

APN / Parcel Number

Primary APN	`R85581`
Alternative APN	`SUFF M:0085H B:00054 L:0071A`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Gross Area	2,196 sqft
Basement Area	1,056 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	R85581
Street Address	26 COWAN ST
City	SUFFIELD
State	CT
Zip	06078-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R11
Legal Block	54
Legal Lot Number	71A
Jurisdiction	SUFFIELD CT
Township / Civil Division	SUFFIELD
Census Block Group	1
Census Block	1013
Census Tract	477103

Owner

26 Cowan St is owned and occupied by an individual who bought it in April 1996.

Source: Suffield Town records, as of July 29, 2026

Owner of Record	Individual Name on File
Mailing Address	26 COWAN ST, SUFFIELD, CT 06078-1406
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 8, 2026	Deed of Trust, Mortgage · Line of Credit PEOPLESBANK
Mar 10, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Oct 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Jun 1, 2018	Deed of Trust, Mortgage FIRST NATL BANK SUFFIELD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 1996 · Amount on File
Deed Sale	Apr 1, 1996 · Amount on File
Deed Book / Page	266 / 675
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFIELD CT
Recording Date	Jul 8, 2026
Property Address	26 COWAN ST, SUFFIELD, CT 06078-1406
Document Number	0605000994
Book / Page	605 / 994
Instrument Date	Jun 17, 2026
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 COWAN ST, SUFFIELD, CT 06078-1406

Mortgage

Document Number	0605000994,
Date	Jul 8, 2026
Book Page	605/994

Lender

Name	PEOPLESBANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.51%
Max Rate	-1%

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFIELD CT
Property Address	26 COWAN ST, SUFFIELD, CT 06078-1406
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000594-589
Date	Mar 10, 2025
Book Page	594/589

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Apr 1, 2039

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFIELD CT
Property Address	26 COWAN ST, SUFFIELD, CT 06078-1406
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000576-485
Date	Oct 31, 2022
Book Page	576/485
Instrument	2379560017

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2032

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFIELD CT
Property Address	26 COWAN ST, SUFFIELD, CT 06078-1406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	528-1049
Date	Jun 1, 2018
Book Page	528/1049
Instrument	2202460007

Lender

Name	FIRST NATL BANK SUFFIELD
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 26 Cowan St was $4,167.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,167.00	$178,010 Land $36,820 Building $141,190	$124,607 Land $25,774 Building $98,833
2024	$4,167.00 (+14.32%)
2023	$3,645.00	$127,400 (-) Land $36,890 Building $90,510
2022	$3,645.00	$127,400 Land $36,890 Building $90,510

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

Flood

FEMA maps place 26 Cowan St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 26 Cowan St is low, with less than 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 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 - NORTHERN REG-WESTERN SYSTEM private · serves 101,313 people · EPA ID CT0473011
Water Source	Surface water
Last State Inspection	Oct 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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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