New Haven City property record for 45 Howard Ave, New Haven, CT 06519
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,124 sqft · built 1870 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,753 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 232 0001 02500 |
| Primary APN | 232 0001 02500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,124 sqft Living Area |
| Gross Area | 4,681 sqft |
| 1st Floor Area | 1,062 sqft |
| Basement Area | 1,062 sqft |
| Unfinished Basement | 1,062 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 232 0001 02500 |
|---|---|
| Street Address | 45 HOWARD AVE |
| City | NEW HAVEN |
| State | CT |
| Zip | 06519-2808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM1 |
| Legal Block | 1 |
| Legal Lot Number | 2500 |
| Jurisdiction | NEW HAVEN CT |
| Township / Civil Division | NEW HAVEN |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 140400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Oyster Point Historic District listed 1989 · 133 contributing resources · NRIS 89001085 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
45 Howard Ave is owned and occupied by two individuals who acquired it in May 2020.
Source: New Haven City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 HOWARD AVE, NEW HAVEN, CT 06519-2808 |
| 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.
| Date | Document |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 8, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 1, 2020 | Quit Claim Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 19, 2020 |
| Transfer Doc | 0010008-27 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HAVEN CT |
| Recording Date | Jun 9, 2026 |
| Property Address | 45 HOWARD AVE, NEW HAVEN, CT 06519-2808 |
| Document Number | 0000004676 |
| Book / Page | 11027 / 78 |
| Instrument Date | May 27, 2026 |
| Instrument | 20264676 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 HOWARD AVE, NEW HAVEN, CT 06519-2808 |
| Document Number | 0011027-78, |
|---|---|
| Date | Jun 9, 2026 |
| Book Page | 11027/78 |
| Instrument | 20264676 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HAVEN CT |
| Property Address | 45 HOWARD AVE, NEW HAVEN, CT 06519-2808 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 010135-276 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 10135/276 |
| Instrument | 2021-02192 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEW HAVEN CT |
| Recording Date | Jun 1, 2020 |
| Property Address | 45 HOWARD AVE, NEW HAVEN, CT 06519-2808 |
| Document Number | 10008-24 |
| Book / Page | 10008 / 24 |
| Instrument Date | May 19, 2020 |
| Instrument | 2020-04165 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 HOWARD AVE, NEW HAVEN, CT 06519-2808 |
| Document Number | 10008-27 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 10008/27 |
| Instrument | 2020-04166 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 45 Howard Ave was $8,753, up 1.4% from the year before.
Source: New Haven City assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision / Municipality | New Haven City |
| Unified School District | New Haven School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,753.00 (+1.43%) | $219,030 (-) Land $45,080 Building $173,950 | $371,164 (+142.08%) |
| 2025 | $8,630.00 | $219,030 Land $45,080 Building $173,950 | $153,321 Land $31,556 Building $121,765 |
| 2024 | $8,630.00 (+5.92%) | ||
| 2023 | $8,148.00 (-6.41%) | $219,030 (-) Land $45,080 Building $173,950 | |
| 2022 | $8,706.00 | $219,030 Land $45,080 Building $173,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Howard Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 25, 2026
| 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.
The area around 45 Howard Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 93 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 |
| Verizon Fixed Wireless | 300 / 20 |
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