44 Main St, Chester, CT 06412 Property Records

Chester Town property record for 44 Main St, Chester, CT 06412

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1984
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Tax Bill	$6,180 (2025)
Deeds & Mortgages	Jan 2025 Refinance Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHES M:14 B:359`

Property Details

APN / Parcel Number

Primary APN	`CHES M:14 B:359`
Alternative APNs	`CSTR M:14 B:359` `00132400` `132400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,100 sqft Living Area
Gross Area	1,650 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	6,970 sqft (0.16 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	132400
Street Address	44 MAIN ST
City	CHESTER
State	CT
Zip	06412-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	359
Jurisdiction	CHESTER CT
Township / Civil Division	CHESTER
Census Block Group	1
Census Block	1020
Census Tract	600100

Owner

Source: Chester Town records, as of June 25, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 326, CHESTER, CT 06412-0326
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Aug 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Nov 4, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	44 MAIN ST, CHESTER, CT 06412-1341
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000186-139
Date	Jan 16, 2025
Book Page	186/139

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	44 MAIN ST, CHESTER, CT 06412-1341
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	175-470
Date	Aug 17, 2020
Book Page	175/470

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER CT
Property Address	44 MAIN ST, CHESTER, CT 06412-1341
Document Number	169-556
Book / Page	000169 / 000556
Instrument Date	Nov 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MAIN ST CHESTER CT 064121341, CHESTER, CT 06412-1341

Mortgage

Document Number	169-556
Date	Nov 28, 2017
Book Page	000169/000556

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 27, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Chester Town
Elementary School District	Chester School District (PK - 06)
Secondary School District	Regional School District 04 (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,180.00	$228,200 (+27.51%) Land $91,490 Building $136,710	$159,740 Land $64,043 Building $95,697
2024	$6,180.00 (+16.27%)
2023	$5,315.00 (+0.68%)	$178,960 (-) Land $86,180 Building $92,780
2022	$5,279.00	$178,960 Land $86,180 Building $92,780

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

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 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

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-CHESTER SYSTEM private · serves 5,030 people · EPA ID CT0261031
Water Source	Surface water
Last State Inspection	Mar 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 180 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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