31 Arnold St, Middletown, CT 06457 Property Records

Middletown City property record for 31 Arnold St, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 988 sqft · built 1964
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (Sep 2020)
Tax Bill	$6,399 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:37 L:0167`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:37 L:0167`
Alternative APN	`R11258`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	1,976 sqft
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R11258
Street Address	31 ARNOLD ST
City	MIDDLETOWN
State	CT
Zip	06457-5401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Lot Number	167
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3009
Census Tract	680200

Owner

31 Arnold St is owned and occupied by an individual who bought it in September 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	31 ARNOLD ST, MIDDLETOWN, CT 06457-5401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NAVY FCU
Sep 18, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2020 · Amount on File
Deed Sale	Sep 18, 2020 · Amount on File
Prior Sale	May 13, 2008 · Amount on File
Deed Document Number	20203554170003
Deed Book / Page	1980 / 170
Transfer Doc	1817-544
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	31 ARNOLD ST, MIDDLETOWN, CT 06457-5401
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002065-483
Date	Feb 8, 2023
Book Page	2065/483

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2038

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Sep 18, 2020
Property Address	31 ARNOLD ST, MIDDLETOWN, CT 06457-5401
Document Number	1980-170
Book / Page	1980 / 170
Instrument Date	Sep 3, 2020
Instrument	3554170003
Transaction Type	Transfer
Record Updated	May 21, 2021

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	31 ARNOLD ST, MIDDLETOWN, CT 06457-5401
Investor	Possibly a Property Investor

Mortgage

Document Number	3554180010
Date	Sep 18, 2020
Instrument	3554180010

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 31 Arnold St was $6,399.

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	$6,399.00	$165,720 (-) Land $56,820 Building $108,900	$318,531 (+174.59%)
2025		$165,720 (-) Land $56,820 Building $108,900	$116,004 Land $39,774 Building $76,230
2024	$6,133.00 (+4.52%)	$165,720 (-) Land $56,820 Building $108,900
2023	$5,868.00 (+19.41%)	$165,720 (+39.13%) Land $56,820 Building $108,900
2022	$4,914.00	$119,110 Land $37,880 Building $81,230

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

Flood

FEMA maps place 31 Arnold St 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 31 Arnold St 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

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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Arnold St

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