45 Joseph St, Manchester, CT 06042 Property Records

Manchester Town property record for 45 Joseph St, Manchester, CT 06042

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1953
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$128,100 (May 2020)
Tax Bill	$4,858 (2025)
Deeds & Mortgages	Jul 2021 Refinance May 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`320000045`

Property Details

APN / Parcel Number

Primary APN	`320000045`
Alternative APNs	`MANC M:75 B:3200 L:45` `MCHS M:75 B:3200 L:45`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,274 sqft Living Area
Gross Area	1,928 sqft
Basement Area	216 sqft
Unfinished Basement	216 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	320000045
Street Address	45 JOSEPH ST
City	MANCHESTER
State	CT
Zip	06042-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	3200
Legal Lot Number	45
Jurisdiction	MANCHESTER CT
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1005
Census Tract	514400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Manchester Historic District (Boundary Increase) listed 2001 · 914 contributing resources · NRIS 01000881

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Manchester 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	45 JOSEPH ST, MANCHESTER, CT 06042-3103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
May 14, 2020	Warranty Deed, Transfer · FHA Mortgage FINANCE AMERICA LLC
Jan 3, 2020	Warranty Deed, Transfer UNKNOWN
Jan 3, 2020	Warranty Deed, Foreclosure UNKNOWN
May 20, 2019	Foreclosure UNKNOWN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2020 · Amount on Record
Deed Sale	May 14, 2020 · Amount on Record
Prior Sale	Jan 3, 2020 · Amount on Record
Deed Document Number	20206477830003
Deed Book / Page	4616 / 69
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	45 JOSEPH ST, MANCHESTER, CT 06042-3103
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004656-838
Date	Jul 6, 2021
Book Page	4656/838
Instrument	6585220015

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	May 14, 2020
Property Address	45 JOSEPH ST, MANCHESTER, CT 06042-3103
Document Number	4616-69
Book / Page	4616 / 69
Instrument	6477830003
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 JOSEPH ST, MANCHESTER, CT 06042-3103

Mortgage

Document Number	4616-72
Date	May 14, 2020
Book Page	4616/72
Instrument	6477840015

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Jan 3, 2020
Property Address	45 JOSEPH ST, MANCHESTER, CT 06042-3103
Document Number	4607-550
Book / Page	004607 / 000550
Instrument Date	Jan 1, 2020
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Tax	$56.98
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 JOSEPH ST MANCHESTER CT 060423103, MANCHESTER, CT 06042-3103

January 2020: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Jan 3, 2020
Property Address	45 JOSEPH ST, MANCHESTER, CT 06042-3103
Document Number	4607-594
Book / Page	004607 / 000594
Instrument Date	May 28, 2019
Transaction Type	Foreclosure
Record Updated	Jan 21, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST OKLAHOMA CITY OK 731072442, OKLAHOMA CITY, OK 73107-2442

May 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	MANCHESTER CT
Recording Date	May 20, 2019
Property Address	45 JOSEPH ST, MANCHESTER, CT 06042-3103
Document Number	4590-656
Book / Page	004590 / 000656
Instrument Date	May 15, 2019
Transaction Type	Foreclosure
Record Updated	Jun 11, 2019
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45 JOSEPH ST MANCHESTER CT 060423103, MANCHESTER, CT 06042-3103
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,858.00	$122,000 (-) Land $36,700 Building $85,300	$85,400 Land $25,690 Building $59,710
2024	$4,858.00 (+7.05%)
2023	$4,538.00 (+2%)	$122,000 (-) Land $36,700 Building $85,300
2022	$4,449.00	$122,000 Land $36,700 Building $85,300

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 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MANCHESTER WATER DEPARTMENT serves 51,198 people · EPA ID CT0770021
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) 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 459 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
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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