28 Prospect St, Middletown, CT 06457 Property Records

Middletown City property record for 28 Prospect St, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1900
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individuals on Record
Last Sale	$235,000 (Jul 2021)
Tax Bill	$5,726 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:22 L:0387`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:22 L:0387`
Alternative APN	`R07099`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	3,078 sqft
1st Floor Area	660 sqft
Attic	Attic
Attic Area	660 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R07099
Street Address	28 PROSPECT ST
City	MIDDLETOWN
State	CT
Zip	06457-2622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MXR
Legal Lot Number	387
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2009
Census Tract	541100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	28 PROSPECT ST, MIDDLETOWN, CT 06457-2622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Jul 18, 2016 · Amount on Record
Deed Document Number	20213630250002
Deed Book / Page	2014 / 246
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Jul 16, 2021
Property Address	28 PROSPECT ST, MIDDLETOWN, CT 06457-2622
Document Number	002014-246
Book / Page	2014 / 246
Instrument Date	Jul 15, 2021
Instrument	3630250002
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants

Mortgage

Document Number	3630260010
Date	Jul 16, 2021
Instrument	3630260010

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025		$147,210 (-) Land $50,040 Building $97,170	$103,047 Land $35,028 Building $68,019
2024	$5,726.00 (+5.7%)	$147,210 (-) Land $50,040 Building $97,170
2023	$5,417.00 (+39%)	$147,210 (+66.21%) Land $50,040 Building $97,170
2022	$3,897.00	$88,570 Land $18,300 Building $70,270

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 288 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