Middletown City property record for 31 Clover St, Middletown, CT 06457
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,323 sqft · built 1929 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $228,000 (May 2019) |
| Tax Bill | $8,290 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MTWN M:37 L:0039 |
| Primary APN | MTWN M:37 L:0039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,323 sqft Living Area |
| Gross Area | 3,865 sqft |
| 1st Floor Area | 1,042 sqft |
| Attic | Attic |
| Attic Area | 682 sqft |
| Basement Area | 682 sqft |
| Unfinished Basement | 682 sqft |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Detached |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | R04247 |
|---|---|
| Street Address | 31 CLOVER ST |
| City | MIDDLETOWN |
| State | CT |
| Zip | 06457-5218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPZ |
| Legal Lot Number | 39 |
| Jurisdiction | MIDDLETOWN CT |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 542000 |
31 Clover St is owned and occupied by two individuals who bought it in May 2019.
Source: Middletown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 CLOVER ST, MIDDLETOWN, CT 06457-5218 |
| 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.
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 31, 2019 | Warranty Deed, Transfer · FHA Mortgage CBC NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on File |
| Deed Sale | May 31, 2019 · Amount on File |
| Prior Sale | May 22, 2013 · Amount on File |
| Deed Document Number | 20193466490003 |
| Deed Book / Page | 1944 / 341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETOWN CT |
| Property Address | 31 CLOVER ST, MIDDLETOWN, CT 06457-5218 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2023-863 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 2023/863 |
| Instrument | 3650250014 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDDLETOWN CT |
| Recording Date | May 31, 2019 |
| Property Address | 31 CLOVER ST, MIDDLETOWN, CT 06457-5218 |
| Document Number | 1944-341 |
| Book / Page | 1944 / 341 |
| Instrument Date | May 23, 2019 |
| Instrument | 3466490003 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 CLOVER ST, MIDDLETOWN, CT 06457-5218 |
| Document Number | 3466500014 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 3466500014 |
| Name | CBC NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 31 Clover St was $8,290.
Source: Middletown City assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision / Municipality | Middletown City |
| Unified School District | Middletown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,290.00 | $214,700 (-) Land $60,980 Building $153,720 | $418,495 (+178.46%) |
| 2025 | $214,700 (-) Land $60,980 Building $153,720 | $150,290 Land $42,686 Building $107,604 | |
| 2024 | $7,946.00 (+4.51%) | $214,700 (-) Land $60,980 Building $153,720 | |
| 2023 | $7,603.00 (+18.91%) | $214,700 (+38.53%) Land $60,980 Building $153,720 | |
| 2022 | $6,394.00 | $154,990 Land $40,660 Building $114,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Clover 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 risk around 31 Clover 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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 398 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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