645 Main St, Middlefield, CT 06455 Property Records

Middlefield Town property record for 645 Main St, Middlefield, CT 06455

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,084 sqft · built 1949
Lot Size	1.56 acres (67,954 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Sep 2024)
Tax Bill	$10,048 (2026)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Apr 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`MFLD M:17 L:4`

Property Details

APN / Parcel Number

Primary APN	`MFLD M:17 L:4`
Alternative APNs	`00125000` `125000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,084 sqft Living Area
Gross Area	6,578 sqft
1st Floor Area	1,714 sqft
Attic	Attic
Attic Area	1,216 sqft
Basement Area	1,216 sqft
Unfinished Basement	1,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	67,954 sqft (1.56 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	125000
Street Address	645 MAIN ST
City	MIDDLEFIELD
State	CT
Zip	06455-1241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MD
Legal Lot Number	4
Jurisdiction	MIDDLEFIELD CT
Township / Civil Division	MIDDLEFIELD
Census Block Group	4
Census Block	4031
Census Tract	580100

Owner

Source: Middlefield 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	Individual Name on Record
Mailing Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA
Apr 11, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Mar 21, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 24, 2020	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Aug 26, 2019	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	Mar 21, 2022 · Amount on Record
Deed Document Number	2024499
Deed Book / Page	351 / 381
Prior Transfer Date	Apr 6, 2023
Prior Transfer Doc	0000348-82
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEFIELD CT
Recording Date	Sep 16, 2024
Property Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241
Document Number	000351-381
Book / Page	351 / 381
Instrument Date	Sep 13, 2024
Instrument	2024000499
Transaction Type	Transfer
Record Updated	Oct 3, 2024

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
Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241

Mortgage

Document Number	2024000500
Date	Sep 16, 2024
Instrument	2024000500

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLEFIELD CT
Recording Date	Apr 11, 2023
Property Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241
Document Number	0000348-82
Book / Page	348 / 82
Instrument Date	Apr 6, 2023
Instrument	2023000180
Transaction Type	Transfer
Record Updated	Apr 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEFIELD CT
Recording Date	Mar 21, 2022
Property Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241
Document Number	00344-1092
Book / Page	344 / 1092
Instrument Date	Mar 21, 2022
Instrument	2022000173
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
Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241

Mortgage

Document Number	2022000174
Date	Mar 21, 2022
Instrument	2022000174

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLEFIELD CT
Recording Date	Mar 21, 2022
Property Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241
Document Number	00000345-1
Book / Page	345 / 1
Instrument Date	Mar 21, 2022
Instrument	2022000175
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEFIELD CT
Property Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241
Document Number	339-834
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MAIN ST MIDDLEFIELD CT 064551241, MIDDLEFIELD, CT 06455-1241

Mortgage

Document Number	339-834
Date	Nov 23, 2020
Book Page	000339/000834
Instrument	814

Lender

Name	NEWREZ LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEFIELD CT
Recording Date	Aug 26, 2019
Property Address	645 MAIN ST, MIDDLEFIELD, CT 06455-1241
Document Number	335-284
Book / Page	000335 / 000284
Instrument Date	Aug 22, 2019
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 PERIWINKLE DR MIDDLEBURY CT 067623236, MIDDLEBURY, CT 06762-3236

Mortgage

Document Number	335-287
Date	Aug 26, 2019
Book Page	000335/000287

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

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
2026	$10,048.00 (+7.25%)	$314,400 (-) Land $102,600 Building $211,800	$552,718 (+151.14%)
2025	$9,369.00	$314,400 (-0.35%) Land $102,600 Building $211,800	$220,080 Land $71,820 Building $148,260
2024	$9,369.00 (+5.15%)
2023	$8,910.00 (+4.86%)	$315,500 (+2.34%) Land $102,600 Building $212,900
2022	$8,497.00	$308,300 Land $102,600 Building $205,700

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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