45 Cambridge Ct, Middletown, CT 06457 Property Records

Middletown City property record for 45 Cambridge Ct, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,543 sqft · built 1998
Lot Size	0.74 acres (32,234 sqft)
Owner	Trust Name on Record
Tax Bill	$10,886 (2026)
Deeds & Mortgages	Nov 2023 Transfer Feb 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:06 L:0592`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:06 L:0592`
Alternative APN	`R13660`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,543 sqft Living Area
Gross Area	5,616 sqft
1st Floor Area	1,594 sqft
Attic	Attic
Attic Area	576 sqft
Basement Area	1,594 sqft
Unfinished Basement	1,594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	R13660
Street Address	45 CAMBRIDGE CT
City	MIDDLETOWN
State	CT
Zip	06457-1900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Lot Number	592
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1000
Census Tract	541402

Owner

Source: Middletown City 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	Trust Name on Record
Mailing Address	45 CAMBRIDGE CT, MIDDLETOWN, CT 06457-1900
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 16, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 17, 2023
Transfer Doc	002086-543
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Nov 28, 2023
Property Address	45 CAMBRIDGE CT, MIDDLETOWN, CT 06457-1900
Document Number	002086-543
Book / Page	2086 / 543
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Dec 14, 2023

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	45 CALBRIDGE CT, MIDDLETOWN, CT 06457-1900

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	45 CAMBRIDGE CT, MIDDLETOWN, CT 06457-1900
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002066-173
Date	Feb 16, 2023
Book Page	2066/173

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

Source: Middletown City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Middletown City
Unified School District	Middletown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,886.00 (+5.04%)	$307,650 (-) Land $80,850 Building $226,800	$554,474 (+157.47%)
2025		$307,650 (-) Land $80,850 Building $226,800	$215,355 Land $56,595 Building $158,760
2024	$10,364.00 (+5.48%)	$307,650 (-) Land $80,850 Building $226,800
2023	$9,826.00 (+17.9%)	$307,650 (+38.49%) Land $80,850 Building $226,800
2022	$8,334.00	$222,150 Land $53,900 Building $168,250

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 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 94% of the US · lower than 90% of Connecticut
Wildfire Likelihood	Under 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	MIDDLETOWN WATER DEPARTMENT serves 41,019 people · EPA ID CT0830011
Water Source	Surface water
Last State Inspection	Aug 2023
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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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