48 Overshores E, Madison, CT 06443 Property Records

Madison Town property record for 48 Overshores E, Madison, CT 06443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1936
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Sep 2022)
Tax Bill	$11,156 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MADI M:24 B:58`

Property Details

APN / Parcel Number

Primary APN	`MADI M:24 B:58`
Alternative APNs	`00090800` `90800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	3,010 sqft
Basement Area	258 sqft
Unfinished Basement	258 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	90800
Street Address	48 OVERSHORES E
City	MADISON
State	CT
Zip	06443-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Block	58
Jurisdiction	MADISON CT
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3001
Census Tract	194102

Owner

Source: Madison Town records, as of October 20, 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 OVERSHORES E, MADISON, CT 06443-2830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA
Oct 31, 2018	Deed of Trust, Mortgage ADMIRALS BANK
Jun 15, 2020	Warranty Deed, Transfer · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on Record
Deed Sale	Sep 8, 2022 · Amount on Record
Prior Sale	Jun 15, 2020 · Amount on Record
Deed Document Number	20222205
Deed Book / Page	2274 / 26
Transfer Doc	1923-333
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON CT
Recording Date	Sep 8, 2022
Property Address	48 OVERSHORES E, MADISON, CT 06443-2830
Document Number	0002274-26
Book / Page	2274 / 26
Instrument Date	Sep 7, 2022
Instrument	2022-2205
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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

Mortgage

Document Number	0020222206
Date	Sep 8, 2022
Instrument	2022-2206

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON CT
Property Address	48 OVERSHORES E, MADISON, CT 06443-2830
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2082-320
Date	Oct 31, 2018
Book Page	2082/320
Instrument	2671

Lender

Name	ADMIRALS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2038

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON CT
Recording Date	Jun 15, 2020
Property Address	48 OVERSHORES E, MADISON, CT 06443-2830
Document Number	2147-266
Book / Page	2147 / 266
Instrument Date	Jun 9, 2020
Instrument	1359
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

Mortgage

Document Number	2147-268
Date	Jun 15, 2020
Book Page	2147/268
Instrument	1360

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.85%
Type Change Date	Jul 1, 2030
Index	Other

Tax Assessment & Valuation

Source: Madison Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,156.00 (+2.8%)	$483,800 (-) Land $263,900 Building $219,900	$839,197 (+147.8%)
2025	$10,852.00	$483,800 (+58.21%) Land $263,900 Building $219,900	$338,660 Land $184,730 Building $153,930
2024	$10,852.00 (+18.41%)
2023	$9,165.00 (+1.9%)	$305,800 (-) Land $187,700 Building $118,100
2022	$8,994.00	$305,800 Land $187,700 Building $118,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

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	0.01% 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	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people · EPA ID CT0608011
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	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 143 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, T-Mobile.

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