648 Main St, Middlefield, CT 06455 Property Records

Middlefield Town property record for 648 Main St, Middlefield, CT 06455

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,676 sqft · built 2002
Lot Size	1.99 acres (86,684 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Apr 2019)
Tax Bill	$10,480 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MFLD M:14 L:75-3`

Property Details

APN / Parcel Number

Primary APN	`MFLD M:14 L:75-3`
Alternative APNs	`00113830` `113830`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,676 sqft Living Area
Gross Area	4,975 sqft
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft
Unfinished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	86,684 sqft (1.99 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	113830
Street Address	648 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	75-3
Jurisdiction	MIDDLEFIELD CT
Township / Civil Division	MIDDLEFIELD
Census Block Group	4
Census Block	4019
Census Tract	580100

Owner

648 Main St is owned and occupied by two individuals who bought it in April 2019.

Source: Middlefield Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	648 MAIN ST, MIDDLEFIELD, CT 06455-1271
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
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BK
Apr 17, 2019	Warranty Deed, Transfer · Conventional with PMI NORWICH COM'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on File
Deed Sale	Apr 17, 2019 · Amount on File
Prior Sale	Aug 21, 2009 · Amount on File
Deed Book / Page	334 / 558
Transfer Doc	281-317
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEFIELD CT
Property Address	648 MAIN ST, MIDDLEFIELD, CT 06455-1271
Document Number	336-192
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 MAIN ST MIDDLEFIELD CT 064551271, MIDDLEFIELD, CT 06455-1271

Mortgage

Document Number	336-192
Date	Dec 2, 2019
Book Page	000336/000192

Lender

Name	LIBERTY BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEFIELD CT
Recording Date	Apr 17, 2019
Property Address	648 MAIN ST, MIDDLEFIELD, CT 06455-1271
Document Number	334-558
Book / Page	000334 / 000558
Instrument Date	Apr 15, 2019
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 MAIN ST MIDDLEFIELD CT 064551271, MIDDLEFIELD, CT 06455-1271

Mortgage

Document Number	334-560
Date	Apr 17, 2019
Book Page	000334/000560

Lender

Name	NORWICH COM'L

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 648 Main St was $10,480, up 7.3% from the year before.

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	$10,480.00 (+7.26%)	$327,900 (-) Land $99,600 Building $228,300	$681,192 (+196.78%)
2025	$9,771.00	$327,900 Land $99,600 Building $228,300	$229,530 Land $69,720 Building $159,810
2024	$9,771.00 (+5.52%)
2023	$9,260.00 (+3.26%)	$327,900 (+0.77%) Land $99,600 Building $228,300
2022	$8,968.00	$325,400 Land $99,600 Building $225,800

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

Flood

FEMA maps place 648 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 648 Main 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.

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

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures