38 Coles Rd, Middletown, CT 06457 Property Records

Middletown City property record for 38 Coles Rd, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,575 sqft · built 1994
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Feb 2010)
Tax Bill	$9,977 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:27 L:0271`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:27 L:0271`
Alternative APN	`R13447`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,575 sqft Living Area
Gross Area	3,285 sqft
1st Floor Area	875 sqft
Basement Area	875 sqft
Unfinished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R13447
Street Address	38 COLES RD
City	MIDDLETOWN
State	CT
Zip	06457-4168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Subdivision	LOOP SHORES
Legal Lot Number	271
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3010
Census Tract	542100

Owner

38 Coles Rd is owned and occupied by an individual who bought it in February 2010.

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	38 COLES RD, MIDDLETOWN, CT 06457-4168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Nov 30, 2018	Deed of Trust, Mortgage SEASONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2010 · Amount on File
Deed Sale	Feb 11, 2010 · Amount on File
Prior Sale	Mar 15, 2000 · Amount on File
Deed Book / Page	1690 / 90
Transfer Doc	1054000143
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	38 COLES RD, MIDDLETOWN, CT 06457-4168
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2028-96
Date	Nov 18, 2021
Book Page	2028/96
Instrument	3660700017

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Dec 1, 2035

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	38 COLES RD, MIDDLETOWN, CT 06457-4168
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1933-373
Date	Nov 30, 2018
Book Page	1933/373
Instrument	3435150007

Lender

Name	SEASONS FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	60 Months
Due	Nov 1, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 38 Coles Rd was $9,977.

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	$9,977.00	$244,530 (-) Land $75,680 Building $168,850	$436,030 (+154.73%)
2025		$244,530 (-) Land $75,680 Building $168,850	$171,171 Land $52,976 Building $118,195
2024	$9,512.00 (+5.7%)	$244,530 (-) Land $75,680 Building $168,850
2023	$8,999.00 (+13.31%)	$244,530 (+35.47%) Land $75,680 Building $168,850
2022	$7,942.00	$180,500 Land $50,460 Building $130,040

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

Flood

FEMA maps place 38 Coles Rd 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 38 Coles Rd 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.

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 149 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

May also be available: GoNetspeed, Verizon.

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