40 Bernadette Ln, Durham, CT 06422 Property Records

Durham Town property record for 40 Bernadette Ln, Durham, CT 06422

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,944 sqft · built 1993
Lot Size	2.22 acres (96,703 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Apr 2023)
Tax Bill	$13,857 (2026)
Deeds & Mortgages	Feb 2025 Mortgage Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DURH D0071100`

Property Details

APN / Parcel Number

Primary APN	`DURH D0071100`
Alternative APNs	`88 68 SD32` `D0071100`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,944 sqft Living Area
Basement Area	1,856 sqft
Unfinished Basement	1,088 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	96,703 sqft (2.22 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	D0071100
Street Address	40 BERNADETTE LN
City	DURHAM
State	CT
Zip	06422-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FARM -
Jurisdiction	DURHAM CT
Township / Civil Division	DURHAM
Census Block Group	5
Census Block	5014
Census Tract	585100

Owner

40 Bernadette Ln is owned and occupied by two individuals who acquired it in November 2025.

Source: Durham Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 BERNADETTE LN, DURHAM, CT 06422-2822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2025	Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC
Nov 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage ZOOM HOME LENDING LLC
Apr 17, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 7, 2017	Deed, Transfer · FHA Mortgage UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on File
Deed Sale	Apr 17, 2023 · Amount on File
Prior Sale	Aug 7, 2017 · Amount on File
Deed Book / Page	301 / 1170
Last Transfer Date	Nov 3, 2025
Transfer Doc	00309-1150
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM CT
Property Address	40 BERNADETTE LN, DURHAM, CT 06422-2822
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000307-733
Date	Feb 5, 2025
Book Page	307/733

Lender

Name	ZOOM HOME LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DURHAM CT
Recording Date	Nov 12, 2025
Property Address	40 BERNADETTE LN, DURHAM, CT 06422-2822
Document Number	00309-1150
Book / Page	309 / 1150
Instrument Date	Nov 3, 2025
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	40 BERNADETTE LN, DURHAM, CT 06422-2822

Mortgage

Document Number	0003091152
Date	Nov 12, 2025
Instrument	309/1152

Lender

Name	ZOOM HOME LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM CT
Recording Date	Apr 17, 2023
Property Address	40 BERNADETTE LN, DURHAM, CT 06422-2822
Document Number	00301-1170
Book / Page	301 / 1170
Instrument Date	Apr 14, 2023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount 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	0003011173
Date	Apr 17, 2023
Instrument	301/1173

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DURHAM CT
Recording Date	Aug 7, 2017
Property Address	40 BERNADETTE LN, DURHAM, CT 06422-2822
Document Number	277-670
Book / Page	277 / 670
Instrument	718690004
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	$126.89
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	2770674
Date	Aug 7, 2017
Instrument	00277/0674

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 40 Bernadette Ln was $13,857, up 23.1% from the year before.

Source: Durham Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Durham Town
Unified School District	Regional School District 13 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,857.00 (+23.13%)	$494,900 (+64.42%) Land $102,340 Building $392,560	$680,874 (+223.15%)
2025	$11,254.00	$301,000 Land $82,400 Building $218,600	$210,700 Land $57,680 Building $153,020
2024	$11,254.00 (+2.31%)
2023	$11,000.00 (+0.61%)	$316,260 (-) Land $97,650 Building $218,610
2022	$10,933.00	$316,260 Land $97,650 Building $218,610

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

Flood

FEMA maps place 40 Bernadette Ln 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 40 Bernadette Ln is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 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: T-Mobile, Verizon.

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