39 Lovers Ln, Madison, CT 06443 Property Records

Madison Town property record for 39 Lovers Ln, Madison, CT 06443

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,279 sqft · built 1984
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on File
Last Sale	$1,165,000 (Mar 2025)
Tax Bill	$12,969 (2026)
Deeds & Mortgages	Feb 2024 Refinance Dec 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MADI M:39 B:71`

Property Details

APN / Parcel Number

Primary APN	`MADI M:39 B:71`
Alternative APNs	`00248500` `248500`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,279 sqft Living Area
Gross Area	7,550 sqft
Basement Area	1,014 sqft
Unfinished Basement	1,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	248500
Street Address	39 LOVERS LN
City	MADISON
State	CT
Zip	06443-3317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	71
Jurisdiction	MADISON CT
Township / Civil Division	MADISON
Census Block Group	2
Census Block	2015
Census Tract	194101

Owner

39 Lovers Ln is owned and occupied by an individual who bought it in March 2025.

Source: Madison Town 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	39 LOVERS LN, MADISON, CT 06443-3317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Dec 21, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Mar 10, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FCU
Jul 26, 2017	Warranty Deed, Transfer GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on File
Deed Sale	Mar 10, 2025 · Amount on File
Prior Sale	Jul 26, 2017 · Amount on File
Deed Document Number	2025367
Deed Book / Page	2298 / 963
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	39 LOVERS LN, MADISON, CT 06443-3317
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002288-468
Date	Feb 27, 2024
Book Page	2288/468
Instrument	2024-291

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	39 LOVERS LN, MADISON, CT 06443-3317
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002287-338
Date	Dec 21, 2023
Book Page	2287/338
Instrument	2023-2565

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON CT
Recording Date	Mar 10, 2025
Property Address	39 LOVERS LN, MADISON, CT 06443-3317
Document Number	002298-963
Book / Page	2298 / 963
Instrument Date	Mar 7, 2025
Instrument	2025367
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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
Relationship	Joint Tenants

Mortgage

Document Number	0002025368
Date	Mar 10, 2025
Instrument	2025-368

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Apr 1, 2028
Max Rate At Change	2%
Index	5-Year CMT
Margin	2

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON CT
Recording Date	Jul 26, 2017
Property Address	39 LOVERS LN, MADISON, CT 06443-3317
Document Number	2032-52
Book / Page	2032 / 52
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	$97.46
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	20320055
Date	Jul 26, 2017
Instrument	02032/0055

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 39 Lovers Ln was $12,969, up 3.1% from the year before.

Source: Madison Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,969.00 (+3.12%)	$562,400 (+0.3%) Land $120,300 Building $432,700	$1,076,033 (+174.16%)
2025	$12,577.00	$560,700 Land $120,300 Building $440,400	$392,490 Land $84,210 Building $308,280
2024	$12,577.00 (+5.63%)
2023	$11,907.00 (+1.9%)	$397,300 (-) Land $92,500 Building $304,800
2022	$11,685.00	$397,300 Land $92,500 Building $304,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 39 Lovers Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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

Wildfire risk around 39 Lovers Ln 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	Direct burnable vegetation

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	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people · EPA ID CT0608011
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	None 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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