428 Lower Ln, Berlin, CT 06037 Property Records

Berlin Town property record for 428 Lower Ln, Berlin, CT 06037 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,056 sqft · built 1969
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$179,900 (Dec 2017)
Tax Bill	$4,916 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BERL M:15-2 B:91 L:78A`

Property Details

APN / Parcel Number

Primary APN	`BERL M:15-2 B:91 L:78A`
Alternative APNs	`BRLN M:15-2 B:91 L:78A` `1056340` `056340`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,272 sqft
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1056340
Street Address	428 LOWER LN
City	BERLIN
State	CT
Zip	06037-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	91
Legal Lot Number	78A
Jurisdiction	BERLIN CT
Township / Civil Division	BERLIN
Census Block Group	1
Census Block	1041
Census Tract	400102

Owner

Source: Berlin Town records · APN BERL M:15-2 B:91 L:78A

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	428 LOWER LN, BERLIN, CT 06037-3004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Dec 07, 2017	Warranty Deed, Transfer WEBSTER BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 07, 2017 · Amount on Record
Deed Sale	Dec 07, 2017 · Amount on Record
Prior Sale	May 01, 2001 · Amount on Record
Deed Document Number	20171439740002
Deed Book / Page	742 / 689
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CT
Property Address	428 LOWER LN, BERLIN, CT 06037-3004
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000844-61
Date	Feb 19, 2026
Book Page	844/61

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERLIN CT
Recording Date	Dec 07, 2017
Property Address	428 LOWER LN, BERLIN, CT 06037-3004
Document Number	742-689
Book / Page	742 / 689
Instrument	1439740002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$41.38
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	7420691
Date	Dec 07, 2017
Instrument	00742/0691

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Dec 07, 2048

Tax Assessment & Valuation

Source: Berlin Town records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,916.00	$160,400 (-) Land $79,300 Building $81,100	$112,280 Land $55,510 Building $56,770
2024	$4,916.00 (+3.69%)
2023	$4,741.00 (+4.61%)	$160,400 (+21.42%) Land $79,300 Building $81,100
2022	$4,532.00	$132,100 Land $70,700 Building $61,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09003C, updated August 29, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of Connecticut
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 255 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
GoNetspeed	Fiber	2,000 / 2,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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