45 Middle River Rd, Danbury, CT 06811 Property Records

Danbury City property record for 45 Middle River Rd, Danbury, CT 06811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,424 sqft · built 2005
Lot Size	2.29 acres (99,752 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,929 (2025)
Deeds & Mortgages	Feb 2025 Mortgage Feb 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DANB M:E12 L:54`

Property Details

APN / Parcel Number

Primary APN	`DANB M:E12 L:54`
Alternative APN	`E12054`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,424 sqft Living Area
Gross Area	5,936 sqft
1st Floor Area	1,284 sqft
Attic	Attic
Attic Area	1,140 sqft
Basement Area	1,284 sqft
Unfinished Basement	1,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	99,752 sqft (2.29 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	E12054
Street Address	45 MIDDLE RIVER RD
City	DANBURY
State	CT
Zip	06811-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA40
Legal Lot Number	54
Jurisdiction	DANBURY CT
Township / Civil Division	DANBURY
Census Block Group	4
Census Block	4003
Census Tract	210900

Owner

45 Middle River Rd is owned and occupied by two individuals who acquired it in February 2025.

Source: Danbury City records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 MIDDLE RIVER RD, DANBURY, CT 06811-4315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 13, 2025	Quit Claim Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Nov 27, 2024	Quit Claim Deed, Transfer Quitclaim
Sep 3, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance THOMAS DOMMERMUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2025
Deed Sale	Feb 13, 2025
Prior Sale	Jul 10, 1994 · Amount on File
Deed Book / Page	2714 / 780
Prior Transfer Date	Jan 30, 2025
Prior Transfer Doc	2714000780
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANBURY CT
Property Address	45 MIDDLE RIVER RD, DANBURY, CT 06811-4315
Transaction Type	Mortgage
Record Updated	Apr 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002714-796
Date	Feb 13, 2025
Book Page	2714/796
Instrument	11893600014

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	913 Months
Due	Mar 1, 2101

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DANBURY CT
Recording Date	Feb 13, 2025
Property Address	45 MIDDLE RIVER RD, DANBURY, CT 06811-4315
Document Number	002714-780
Book / Page	2714 / 780
Instrument Date	Jan 30, 2025
Transaction Type	Transfer
Record Updated	Jul 10, 2025
Title Company	NONE AVILABALE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MIDDLE RIVER RD, DANBURY, CT 06811-4315

Mortgage

Document Number	11893590014
Date	Feb 13, 2025
Instrument	11893590014

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	913 Months
Due	Mar 1, 2101

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DANBURY CT
Recording Date	Nov 27, 2024
Property Address	45 MIDDLE RIVER RD, DANBURY, CT 06811-4315
Document Number	002708-552
Book / Page	2708 / 552
Instrument Date	Nov 22, 2024
Transaction Type	Transfer
Record Updated	Feb 27, 2025

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

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DANBURY CT
Recording Date	Sep 3, 2024
Property Address	45 MIDDLE RIVER RD, DANBURY, CT 06811-4315
Document Number	02699-1068
Book / Page	2699 / 1068
Instrument Date	Aug 28, 2024
Transaction Type	Transfer
Record Updated	Feb 27, 2025

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

Mortgage

Document Number	11822250010
Date	Sep 3, 2024
Instrument	11822250010

Lender

Name	THOMAS DOMMERMUTH

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	217 Months
Due	Oct 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 45 Middle River Rd was $9,929.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,929.00	$397,320 Land $105,210 Building $292,110	$278,124 Land $73,647 Building $204,477
2024	$9,929.00 (+7.12%)
2023	$9,269.00 (-2.94%)	$397,320 (+17.41%) Land $105,210 Building $292,110
2022	$9,550.00	$338,400 Land $104,900 Building $233,500

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

Flood

FEMA maps place 45 Middle River Rd 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 November 28, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, 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

Wildfire risk around 45 Middle River Rd is low, with 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 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	DANBURY WATER DEPARTMENT serves 62,055 people · EPA ID CT0340011
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jul 2021
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 77 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
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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