48 Lake Rd, Middlefield, CT 06455 Property Records

Middlefield Town property record for 48 Lake Rd, Middlefield, CT 06455

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,606 sqft · built 1986
Lot Size	4.06 acres (176,854 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Dec 2020)
Tax Bill	$9,995 (2025)
Deeds & Mortgages	Mar 2023 Refinance Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MFLD M:7 L:30-7`

Property Details

APN / Parcel Number

Primary APN	`MFLD M:7 L:30-7`
Alternative APNs	`00002900` `2900`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,606 sqft Living Area
Gross Area	8,595 sqft
1st Floor Area	2,280 sqft
Attic	Attic
Attic Area	1,085 sqft
Basement Area	1,786 sqft
Unfinished Basement	721 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	176,854 sqft (4.06 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2900
Street Address	48 LAKE RD
City	MIDDLEFIELD
State	CT
Zip	06455-1061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG2
Legal Subdivision	CLINTON HLS
Legal Lot Number	30-7
Jurisdiction	MIDDLEFIELD CT
Township / Civil Division	MIDDLEFIELD
Census Block Group	1
Census Block	1020
Census Tract	580100

Owner

Source: Middlefield 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	2 Individual Names on Record
Mailing Address	48 LAKE RD, MIDDLEFIELD, CT 06455-1061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Dec 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Jul 1, 2013 · Amount on Record
Deed Document Number	2020909
Deed Book / Page	340 / 94
Transfer Doc	326-813
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEFIELD CT
Property Address	48 LAKE RD, MIDDLEFIELD, CT 06455-1061
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00347-1080
Date	Mar 24, 2023
Book Page	347/1080
Instrument	2023000155

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2048

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEFIELD CT
Recording Date	Dec 18, 2020
Property Address	48 LAKE RD, MIDDLEFIELD, CT 06455-1061
Document Number	340-94
Book / Page	340 / 94
Instrument Date	Dec 11, 2020
Instrument	2020000909
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
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2020000910
Date	Dec 18, 2020
Instrument	2020000910

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Middlefield Town
Unified School District	Regional School District 13 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,995.00	$335,400 (-) Land $93,800 Building $241,600	$234,780 Land $65,660 Building $169,120
2024	$9,995.00 (+5.52%)
2023	$9,472.00 (+2.47%)	$335,400 (-) Land $93,800 Building $241,600
2022	$9,244.00	$335,400 Land $93,800 Building $241,600

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 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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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