654 Lower Ln, Berlin, CT 06037 Property Records

Berlin Town property record for 654 Lower Ln, Berlin, CT 06037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,160 sqft · built 1970
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Jul 2024)
Tax Bill	$4,993 (2025)
Deeds & Mortgages	May 2025 Line of Credit Dec 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BERL M:15-4 B:108 L:13B`

Property Details

APN / Parcel Number

Primary APN	`BERL M:15-4 B:108 L:13B`
Alternative APNs	`BRLN M:15-4 B:108 L:13B` `1049910` `049910`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area
Gross Area	2,645 sqft
1st Floor Area	1,160 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	1049910
Street Address	654 LOWER LN
City	BERLIN
State	CT
Zip	06037-3122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Block	108
Legal Lot Number	13B
Jurisdiction	BERLIN CT
Township / Civil Division	BERLIN
Census Block Group	2
Census Block	2019
Census Tract	400102

Owner

Source: Berlin Town records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	654 LOWER LN, BERLIN, CT 06037-3122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 2, 2025	Deed of Trust, Mortgage · Line of Credit VILLAGE CAPITAL & INVESTMENT LLC
Dec 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Jul 10, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2024 · Amount on Record
Deed Sale	Jul 10, 2024 · Amount on Record
Deed Book / Page	826 / 782
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CT
Property Address	654 LOWER LN, BERLIN, CT 06037-3122
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000835-254
Date	May 2, 2025
Book Page	835/254
Instrument	2136100016

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CT
Property Address	654 LOWER LN, BERLIN, CT 06037-3122
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000798-427
Date	Dec 6, 2021
Book Page	798/427

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERLIN CT
Recording Date	Jul 10, 2024
Property Address	654 LOWER LN, BERLIN, CT 06037-3122
Document Number	000826-782
Book / Page	826 / 782
Instrument Date	Jul 9, 2024
Transaction Type	Transfer
Record Updated	Apr 24, 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
Investor	Possibly a Property Investor

Mortgage

Document Number	2112910025
Date	Jul 10, 2024
Instrument	2112910025

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Berlin Town assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,993.00	$162,900 (-) Land $88,700 Building $74,200	$114,030 Land $62,090 Building $51,940
2024	$4,993.00 (+3.7%)
2023	$4,815.00 (+9.98%)	$162,900 (+27.66%) Land $88,700 Building $74,200
2022	$4,378.00	$127,600 Land $70,400 Building $57,200

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 August 29, 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	0.01% 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	WORTHINGTON FIRE DISTRICT serves 2,875 people · EPA ID CT0070031
Water Source	Purchased surface water from BERLIN WATER CONTROL COMMISSION
Last State Inspection	Nov 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 193 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed, Verizon.

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