38 S Front St, Middletown, CT 06457 Property Records

Middletown City property record for 38 S Front St, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 778 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Jul 2023)
Tax Bill	$5,110 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:36 L:0226`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:36 L:0226`
Alternative APN	`R03761`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	778 sqft Living Area
Gross Area	1,452 sqft
1st Floor Area	432 sqft
Basement Area	432 sqft
Unfinished Basement	300 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R03761
Street Address	38 S FRONT ST
City	MIDDLETOWN
State	CT
Zip	06457-4425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPZ
Legal Subdivision	BAKER HL
Legal Lot Number	226
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2012
Census Tract	542000

Owner

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	2 Individual Names on Record
Mailing Address	38 S FRONT ST, MIDDLETOWN, CT 06457-4425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE
Jul 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	Jun 12, 2015 · Amount on Record
Deed Book / Page	2076 / 653
Transfer Doc	1214000474
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Jul 11, 2023
Property Address	38 S FRONT ST, MIDDLETOWN, CT 06457-4425
Document Number	002076-653
Book / Page	2076 / 653
Instrument Date	Jul 10, 2023
Transaction Type	Transfer
Record Updated	Feb 9, 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

Mortgage

Document Number	0002076655
Date	Jul 11, 2023
Instrument	2076/655

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	38 S FRONT ST, MIDDLETOWN, CT 06457-4425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1973-516
Date	Jul 13, 2020
Book Page	1973/516
Instrument	3540070015

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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
2026	$5,110.00 (+4.33%)	$132,350 (-) Land $60,390 Building $71,960	$256,781 (+177.17%)
2025		$132,350 (-) Land $60,390 Building $71,960	$92,645 Land $42,273 Building $50,372
2024	$4,898.00 (+4.5%)	$132,350 (-) Land $60,390 Building $71,960
2023	$4,687.00 (+23.31%)	$132,350 (+43.64%) Land $60,390 Building $71,960
2022	$3,801.00	$92,140 Land $40,260 Building $51,880

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	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	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 354 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.

Nearby Properties on S Front St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures