646 Main St, Middlefield, CT 06455 Property Records

Middlefield Town property record for 646 Main St, Middlefield, CT 06455

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,634 sqft · built 1998
Lot Size	2.12 acres (92,347 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,530 (Oct 1998)
Tax Bill	$10,400 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MFLD M:14 L:75-2`

Property Details

APN / Parcel Number

Primary APN	`MFLD M:14 L:75-2`
Alternative APNs	`00980026` `980026`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,634 sqft Living Area
Gross Area	5,214 sqft
1st Floor Area	1,434 sqft
Basement Area	1,416 sqft
Unfinished Basement	1,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	92,347 sqft (2.12 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	980026
Street Address	646 MAIN ST
City	MIDDLEFIELD
State	CT
Zip	06455-1271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MD
Legal Lot Number	75-2
Jurisdiction	MIDDLEFIELD CT
Township / Civil Division	MIDDLEFIELD
Census Block Group	4
Census Block	4019
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	2 Individual Names on Record
Mailing Address	646 MAIN ST, MIDDLEFIELD, CT 06455-1271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Balloon Mortgage ALLIED MORTGAGE & SERVICES
Dec 31, 2018	Deed of Trust, Mortgage · FHA Mortgage LIBERTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 1998 · Amount on Record
Deed Sale	Oct 29, 1998 · Amount on Record
Deed Book / Page	116 / 77
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEFIELD CT
Property Address	646 MAIN ST, MIDDLEFIELD, CT 06455-1271
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	340-778
Date	Mar 1, 2021
Book Page	340/778
Instrument	2021000122

Lender

Name	ALLIED MORTGAGE & SERVICES
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEFIELD CT
Property Address	646 MAIN ST, MIDDLEFIELD, CT 06455-1271
Document Number	333-1047
Instrument Date	Dec 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 MAIN ST MIDDLEFIELD CT 064551271, MIDDLEFIELD, CT 06455-1271

Mortgage

Document Number	333-1047
Date	Jan 7, 2019
Book Page	000333/001047

Lender

Name	LIBERTY BK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 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	$10,400.00 (+7.25%)	$325,400 (-) Land $100,200 Building $225,200	$650,969 (+185.79%)
2025	$9,697.00	$325,400 (-) Land $100,200 Building $225,200	$227,780 Land $70,140 Building $157,640
2024	$9,697.00 (+5.53%)
2023	$9,189.00 (+2.46%)	$325,400 (-) Land $100,200 Building $225,200
2022	$8,968.00	$325,400 Land $100,200 Building $225,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 88 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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