450 Bow Ln, Middletown, CT 06457 Property Records

Middletown City property record for 450 Bow Ln, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,635 sqft · built 1912
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (Apr 1991)
Tax Bill	$6,179 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit May 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:41 L:0032`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:41 L:0032`
Alternative APN	`R03513`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,635 sqft Living Area
Gross Area	4,047 sqft
1st Floor Area	886 sqft
Attic	Attic
Attic Area	624 sqft
Basement Area	262 sqft
Unfinished Basement	262 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R03513
Street Address	450 BOW LN
City	MIDDLETOWN
State	CT
Zip	06457-4833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-30
Legal Lot Number	32
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	5
Census Block	5012
Census Tract	680200

Owner

450 Bow Ln is owned and occupied by two individuals who bought it in April 1991.

Source: Middletown City records, as of October 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	450 BOW LN, MIDDLETOWN, CT 06457-4833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 1991 · Amount on File
Deed Sale	Apr 29, 1991 · Amount on File
Prior Sale	Jun 11, 1987 · Amount on File
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Recording Date	Jun 24, 2026
Property Address	450 BOW LN, MIDDLETOWN, CT 06457-4833
Document Number	2152000419
Book / Page	2152 / 419
Instrument Date	Jun 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 BOW LN, MIDDLETOWN, CT 06457-4833

Mortgage

Document Number	2152000419,
Date	Jun 24, 2026
Book Page	2152/419

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	450 BOW LN, MIDDLETOWN, CT 06457-4833
Transaction Type	Mortgage
Record Updated	Jun 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002046-442
Date	May 20, 2022
Book Page	2046/442
Instrument	3704430005

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 450 Bow Ln was $6,179.

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	$6,179.00	$160,020 (-) Land $52,000 Building $108,020	$343,555 (+206.71%)
2025		$160,020 (-) Land $52,000 Building $108,020	$112,014 Land $36,400 Building $75,614
2024	$5,923.00 (+4.54%)	$160,020 (-) Land $52,000 Building $108,020
2023	$5,666.00 (+12.38%)	$160,020 (+30.93%) Land $52,000 Building $108,020
2022	$5,042.00	$122,220 Land $41,170 Building $81,050

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

Flood

FEMA maps place 450 Bow Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 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

Wildfire risk around 450 Bow Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 36 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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