Monroe Town property record for 278 Cottage St, Monroe, CT 06468
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,460 sqft · built 1920 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Jul 2017) |
| Tax Bill | $5,994 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15016300 |
| Primary APN | 15016300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,460 sqft Living Area |
| Gross Area | 4,654 sqft |
| 1st Floor Area | 2,460 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 15016300 |
|---|---|
| Street Address | 278 COTTAGE ST |
| City | MONROE |
| State | CT |
| Zip | 06468-2905 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | B2 |
| Legal Block | 163 |
| Jurisdiction | MONROE CT |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 100300 |
Source: Monroe Town records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 278 COTTAGE ST, MONROE, CT 06468-2905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · ARM SIKORSKY FINANCIAL CREDIT UNION INC |
| Jun 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY DEVELOPMENT CORP |
| Jul 28, 2017 | Warranty Deed, Transfer SIKORSKY FNCL CU INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2017 · Amount on Record |
| Deed Sale | Jul 28, 2017 · Amount on Record |
| Deed Book / Page | 1969 / 36 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE CT |
| Property Address | 278 COTTAGE ST, MONROE, CT 06468-2905 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002172-170 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 2172/170 |
| Instrument | 2648 |
| Name | SIKORSKY FINANCIAL CREDIT UNION INC |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.7% |
| Type Change Date | Jul 1, 2036 |
| Index | Other |
| Margin | 2 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE CT |
| Property Address | 278 COTTAGE ST, MONROE, CT 06468-2905 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2041-203 |
|---|---|
| Date | Jun 11, 2019 |
| Book Page | 2041/203 |
| Name | COMMUNITY DEVELOPMENT CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE CT |
| Recording Date | Jul 28, 2017 |
| Property Address | 278 COTTAGE ST, MONROE, CT 06468 |
| Document Number | 1969-36 |
| Book / Page | 1969 / 36 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $62.94 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 19690039 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 01969/0039 |
| Name | SIKORSKY FNCL CU INC |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 28, 2047 |
Source: Monroe Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Monroe Town |
| Unified School District | Monroe School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,994.00 (+4.23%) | $200,610 (-) Land $67,410 Building $133,200 | $668,469 (+376.03%) |
| 2025 | $5,751.00 | $200,610 (+12.7%) Land $67,410 Building $133,200 | $140,427 Land $47,187 Building $93,240 |
| 2024 | $5,751.00 (-13.96%) | ||
| 2023 | $6,684.00 (+1.87%) | $178,000 (-) Land $49,800 Building $128,200 | |
| 2022 | $6,561.00 | $178,000 Land $49,800 Building $128,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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