Berlin Town property record for 45 Harding St, Berlin, CT 06037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,982 sqft · built 1922 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Feb 1999) |
| Tax Bill | $5,542 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | BERL M:9-1 B:27 L:12 |
| Primary APN | BERL M:9-1 B:27 L:12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,982 sqft Living Area |
| Gross Area | 4,410 sqft |
| 1st Floor Area | 1,374 sqft |
| Attic | Attic |
| Attic Area | 1,350 sqft |
| Basement Area | 1,374 sqft |
| Unfinished Basement | 1,374 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1000790 |
|---|---|
| Street Address | 45 HARDING ST |
| City | BERLIN |
| State | CT |
| Zip | 06037-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GC |
| Legal Block | 27 |
| Legal Lot Number | 12 |
| Jurisdiction | BERLIN CT |
| Township / Civil Division | BERLIN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 400102 |
45 Harding St is owned and occupied by two individuals who bought it in February 1999.
Source: Berlin Town records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 HARDING ST, BERLIN, CT 06037-1308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 1999 · Amount on File |
| Deed Sale | Feb 9, 1999 · Amount on File |
| Deed Book / Page | 417 / 66 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERLIN CT |
| Property Address | 45 HARDING ST, BERLIN, CT 06037-1308 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000792-225 |
|---|---|
| Date | Jul 29, 2021 |
| Book Page | 792/225 |
| Instrument | 2010900010 |
| Name | NUTMEG STATE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Harding St was $5,542.
Source: Berlin Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Berlin Town |
| Unified School District | Berlin School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,542.00 | $180,800 Land $74,300 Building $106,500 | $126,560 Land $52,010 Building $74,550 |
| 2024 | $5,542.00 (+3.71%) | ||
| 2023 | $5,344.00 (-0.85%) | $180,800 (+15.09%) Land $74,300 Building $106,500 | |
| 2022 | $5,390.00 | $157,100 Land $61,400 Building $95,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Harding St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 29, 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 risk around 45 Harding St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KENSINGTON FIRE DISTRICT serves 7,553 people · EPA ID CT0070011 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2023 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 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.
Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (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 Fixed Wireless | 100 / 20 |
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