40 Main St, Sterling, CT 06377 Property Records

Sterling Town property record for 40 Main St, Sterling, CT 06377

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,256 sqft · built 1927
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Oct 2025)
Tax Bill	$4,885 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`00052300`

Property Details

APN / Parcel Number

Primary APN	`00052300`
Alternative APNs	`STLN M:001SC B:017 L:0183` `STER M:001SC B:017 L:0183` `52300`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,256 sqft Living Area
Gross Area	4,820 sqft
Basement Area	1,410 sqft
Unfinished Basement	1,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	52300
Street Address	40 MAIN ST
City	STERLING
State	CT
Zip	06377-7703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Block	17
Legal Lot Number	183
Jurisdiction	STERLING CT
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3007
Census Tract	908100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 MAIN ST, STERLING, CT 06377-7703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Balloon Mortgage UNITED WHOLESALE MORTGAGE
Oct 16, 2025	Warranty Deed, Transfer PRIMELENDING
Sep 21, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 18, 2019	Warranty Deed, Transfer UNKNOWN
Jul 22, 2019	Deed of Trust, Mortgage · Conventional with PMI NAVIGANT CU
Sep 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CU
Aug 9, 2018	Warranty Deed, Transfer · Conventional with PMI NAVIGANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Dec 18, 2019 · Amount on Record
Deed Document Number	2025617
Deed Book / Page	181 / 197
Prior Transfer Date	Sep 14, 2023
Prior Transfer Doc	0000175-99
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING CT
Property Address	40 MAIN ST, STERLING, CT 06377-7703
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000164-154
Date	Jan 25, 2021
Book Page	164/154
Instrument	2021000070

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STERLING CT
Recording Date	Oct 16, 2025
Property Address	40 MAIN ST, STERLING, CT 06377-7703
Document Number	000181-197
Book / Page	181 / 197
Instrument Date	Oct 14, 2025
Instrument	2025000617
Transaction Type	Transfer
Record Updated	Mar 31, 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
Relationship	Joint Tenants
Address	40 MAIN ST, STERLING, CT 06377-7703

Mortgage

Document Number	2025000618
Date	Oct 16, 2025
Instrument	2025000618

Lender

Name	PRIMELENDING

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING CT
Recording Date	Sep 21, 2023
Property Address	40 MAIN ST, STERLING, CT 06377-7703
Document Number	0000175-99
Book / Page	175 / 99
Instrument Date	Sep 14, 2023
Instrument	2023000644
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MAIN ST, STERLING, CT 06377-7703

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STERLING CT
Recording Date	Dec 18, 2019
Property Address	40 MAIN ST, STERLING, CT 06377-7703
Document Number	159-960
Book / Page	000159 / 000960
Instrument Date	Dec 18, 2019
Instrument	1006
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MAIN ST STERLING CT 063777703, STERLING, CT 06377-7703

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING CT
Property Address	40 MAIN ST, STERLING, CT 06377-7703
Document Number	158-387
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MAIN ST STERLING CT 063777703, STERLING, CT 06377-7703

Mortgage

Document Number	158-387
Date	Jul 29, 2019
Book Page	000158/000387
Instrument	625

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING CT
Property Address	40 MAIN ST, STERLING, CT 06377-7703
Document Number	155-824
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 WICKENDEN ST PROVIDENCE RI 029034422, PROVIDENCE, RI 02903-4422

Mortgage

Document Number	155-824
Date	Sep 24, 2018
Book Page	000155/000824

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 23, 2028

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STERLING CT
Recording Date	Aug 9, 2018
Property Address	40 MAIN ST, STERLING, CT 06377-7703
Document Number	155-612
Book / Page	000155 / 000612
Instrument Date	Aug 9, 2018
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 DOUGLAS PIKE SMITHFIELD RI 029171206, SMITHFIELD, RI 02917-1206

Mortgage

Document Number	155-614
Date	Aug 9, 2018
Book Page	000155/000614

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Sterling Town
Elementary School District	Sterling School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,885.00 (+7.22%)	$207,100 (-) Land $32,100 Building $175,000	$369,608 (+154.95%)
2025	$4,556.00	$207,100 (-) Land $32,100 Building $175,000	$144,970 Land $22,470 Building $122,500
2024	$4,556.00 (-1%)
2023	$4,602.00 (+5.19%)	$207,100 (+51.19%) Land $32,100 Building $175,000
2022	$4,375.00	$136,980 Land $12,180 Building $124,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2023

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	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	STERLING WATER SYSTEM serves 308 people · EPA ID CT1360011
Water Source	Groundwater
Last State Inspection	Aug 2022
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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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