295 Elm St, Monroe, CT 06468 Property Records

Monroe Town property record for 295 Elm St, Monroe, CT 06468

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,412 sqft · built 1996
Lot Size	4.73 acres (206,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$537,000 (Jun 2024)
Tax Bill	$11,355 (2026)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03002801`

Property Details

APN / Parcel Number

Primary APN	`03002801`
Alternative APNs	`MNRO M:030 B:028 L:01` `MONR M:030 B:028 L:01` `3002801`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,412 sqft Living Area
Gross Area	4,160 sqft
1st Floor Area	2,400 sqft
Basement Area	200 sqft
Unfinished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	206,039 sqft (4.73 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	3002801
Street Address	295 ELM ST
City	MONROE
State	CT
Zip	06468-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF1
Legal Block	28
Legal Lot Number	1
Jurisdiction	MONROE CT
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1004
Census Tract	100200

Owner

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	2 Individual Names on Record
Mailing Address	295 ELM ST, MONROE, CT 06468-2225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Jan 19, 2017	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Sep 12, 2001 · Amount on Record
Deed Document Number	20241242
Deed Book / Page	2225 / 1115
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE CT
Recording Date	Jun 26, 2024
Property Address	295 ELM ST, MONROE, CT 06468-2225
Document Number	02225-1115
Book / Page	2225 / 1115
Instrument Date	Jun 25, 2024
Instrument	1242
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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
Address	295 ELM ST, MONROE, CT 06468-2225

Mortgage

Document Number	0000001243
Date	Jun 26, 2024
Instrument	1243

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE CT
Property Address	295 ELM ST, MONROE, CT 06468-2225
Document Number	1948-115
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1948-115
Date	Jan 19, 2017
Book Page	001948/000115

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 18, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,355.00 (+3.16%)	$380,010 (-1.02%) Land $105,910 Building $274,100	$712,807 (+165.24%)
2025	$11,007.00	$383,910 (+42.93%) Land $105,910 Building $278,000	$268,737 Land $74,137 Building $194,600
2024	$11,007.00 (+9.13%)
2023	$10,086.00 (+1.87%)	$268,600 (-) Land $102,800 Building $165,800
2022	$9,901.00	$268,600 Land $102,800 Building $165,800

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

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	Low lower than 98% of the US · lower than 97.2% 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	AQUARION-EASTERN FAIRFIELD COUNTY private · serves 351,756 people · EPA ID CT0150011
Water Source	Surface water
Last State Inspection	Jun 2025
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	24 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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