46 Locust St, Bristol, CT 06010 Property Records

Bristol City property record for 46 Locust St, Bristol, CT 06010

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,829 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Dec 2023)
Tax Bill	$5,717 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BRIS M:29 L:188-25`

Property Details

APN / Parcel Number

Primary APN	`BRIS M:29 L:188-25`
Alternative APNs	`M:29 L:188/25` `120197`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,829 sqft Living Area
Gross Area	3,408 sqft
1st Floor Area	894 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	120197
Street Address	46 LOCUST ST
City	BRISTOL
State	CT
Zip	06010-6248
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-15/R
Legal Lot Number	188-25
Jurisdiction	BRISTOL CT
Township / Civil Division	BRISTOL
Census Block Group	1
Census Block	1004
Census Tract	405600

Owner

46 Locust St, a duplex, is owned and occupied by an individual who bought it in December 2023.

Source: Bristol City records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	46 LOCUST ST, BRISTOL, CT 06010-6248
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 29, 2019	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on File
Deed Sale	Dec 18, 2023 · Amount on File
Prior Sale	Aug 29, 2019 · Amount on File
Deed Book / Page	2273 / 847
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRISTOL CT
Recording Date	Dec 18, 2023
Property Address	46 LOCUST ST, BRISTOL, CT 06010-6248
Document Number	002273-847
Book / Page	2273 / 847
Instrument Date	Dec 15, 2023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount 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	46 LOCUST ST # 1, 1, BRISTOL, CT 06010-6248

Mortgage

Document Number	0002273849
Date	Dec 18, 2023
Instrument	2273/849

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	002273-878
Date	Dec 18, 2023
Book Page	2273/878

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRISTOL CT
Recording Date	Aug 29, 2019
Property Address	46 LOCUST ST, BRISTOL, CT 06010-6248
Document Number	2116-49
Book / Page	002116 / 000049
Instrument Date	Aug 27, 2019
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 LOCUST ST BRISTOL CT 060106248, BRISTOL, CT 06010-6248

Mortgage

Document Number	2116-51
Date	Aug 29, 2019
Book Page	002116/000051

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 46 Locust St was $5,717.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,717.00	$169,400 Land $26,740 Building $142,660	$118,580 Land $18,718 Building $99,862
2024	$5,717.00 (+11.2%)
2023	$5,141.00 (+25.76%)	$169,400 (+58.9%) Land $26,740 Building $142,660
2022	$4,088.00	$106,610 Land $15,190 Building $91,420

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 46 Locust 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

Wildfire risk around 46 Locust St 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	None beyond 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	BRISTOL WATER DEPARTMENT serves 52,079 people · EPA ID CT0170011
Water Source	Surface water
Last State Inspection	Jun 2025
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	1 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 465 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: Optimum, T-Mobile.

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