643 Atkins St, Middletown, CT 06457 Property Records

Middletown City property record for 643 Atkins St, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,846 sqft · built 1735
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on File
Last Sale	$199,900 (Jul 2014)
Tax Bill	$8,488 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:02 L:0079`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:02 L:0079`
Alternative APN	`R03733`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,846 sqft Living Area
Gross Area	5,448 sqft
1st Floor Area	1,396 sqft
Attic	Attic
Attic Area	1,036 sqft
Basement Area	1,396 sqft
Unfinished Basement	1,396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1735
Effective Year Built	Effective 1735
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	R03733
Street Address	643 ATKINS ST
City	MIDDLETOWN
State	CT
Zip	06457-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Lot Number	79
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1012
Census Tract	541401

Owner

643 Atkins St is owned and occupied by two individuals who bought it in July 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	643 ATKINS ST, MIDDLETOWN, CT 06457-1504
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
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Feb 9, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Mar 9, 2021	Deed of Trust, Mortgage · Balloon Mortgage ION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2014 · Amount on File
Deed Sale	Jul 16, 2014 · Amount on File
Deed Document Number	201493486
Deed Book / Page	1822 / 92
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Recording Date	Sep 22, 2026
Property Address	643 ATKINS ST, MIDDLETOWN, CT 06457-1504
Document Number	2159000682
Book / Page	2159 / 682
Instrument Date	Sep 15, 2026
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 ATKINS ST, MIDDLETOWN, CT 06457-1504

Mortgage

Document Number	2159000682,
Date	Sep 22, 2026
Book Page	2159/682

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	643 ATKINS ST, MIDDLETOWN, CT 06457-1504
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002065-631
Date	Feb 9, 2023
Book Page	2065/631

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	643 ATKINS ST, MIDDLETOWN, CT 06457-1504
Transaction Type	Mortgage
Record Updated	Mar 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1999-23
Date	Mar 9, 2021
Book Page	1999/23
Instrument	3595330010

Lender

Name	ION BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 643 Atkins St was $8,488.

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	$8,488.00	$239,880 (-) Land $60,840 Building $179,040	$473,877 (+182.21%)
2025		$239,880 (-) Land $60,840 Building $179,040	$167,916 Land $42,588 Building $125,328
2024	$8,081.00 (+5.47%)	$239,880 (-) Land $60,840 Building $179,040
2023	$7,662.00 (+13.21%)	$239,880 (+32.98%) Land $60,840 Building $179,040
2022	$6,768.00	$180,390 Land $44,520 Building $135,870

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

Flood

FEMA maps place 643 Atkins St 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 643 Atkins St is low, with a 0.02% 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	0.02% 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	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 124 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

May also be available: Verizon.

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