Berlin Town property record for 685 Lower Ln, Berlin, CT 06037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,241 sqft · built 1960 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,000 (Oct 2001) |
| Tax Bill | $7,886 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BERL M:16-3 B:113 L:23A |
| Primary APN | BERL M:16-3 B:113 L:23A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,241 sqft Living Area |
| Gross Area | 6,066 sqft |
| 1st Floor Area | 1,708 sqft |
| Attic | Attic |
| Attic Area | 1,184 sqft |
| Basement Area | 1,184 sqft |
| Unfinished Basement | 1,184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Type | Attached |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1042940 |
|---|---|
| Street Address | 685 LOWER LN |
| City | BERLIN |
| State | CT |
| Zip | 06037-3161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Subdivision | FARMINGTON WOODS |
| Legal Block | 113 |
| Legal Lot Number | 23A |
| Jurisdiction | BERLIN CT |
| Township / Civil Division | BERLIN |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 400102 |
685 Lower Ln is owned and occupied by two individuals who bought it in October 2001.
Source: Berlin Town records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 LOWER LN, BERLIN, CT 06037-3161 |
| 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.
| Date | Document |
|---|---|
| Jan 15, 2021 | Deed of Trust, Mortgage · Balloon Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jan 15, 2021 | Deed of Trust, Mortgage · Balloon Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jun 5, 2020 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Feb 17, 2017 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAP & INVS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2001 · Amount on File |
| Deed Sale | Oct 16, 2001 · Amount on File |
| Prior Sale | Aug 17, 1998 · Amount on File |
| Deed Book / Page | 413 / 337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERLIN CT |
| Property Address | 685 LOWER LN, BERLIN, CT 06037-3161 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000782-50 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 782/50 |
| Instrument | 1983520012 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERLIN CT |
| Property Address | 685 LOWER LN, BERLIN, CT 06037-3161 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000782-50 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 782/50 |
| Instrument | 1983520012 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERLIN CT |
| Property Address | 685 LOWER LN, BERLIN, CT 06037-3161 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00770-1053 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 770/1053 |
| Instrument | 1955810012 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERLIN CT |
| Property Address | 685 LOWER LN, BERLIN, CT 06037-3161 |
| Document Number | 733-1031 |
| Book / Page | 000733 / 001031 |
| Instrument Date | Feb 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 733-1031 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 000733/001031 |
| Name | VILLAGE CAP & INVS |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2047 |
The 2025 property tax bill for 685 Lower Ln was $7,886.
Source: Berlin Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Berlin Town |
| Unified School District | Berlin School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,886.00 | $257,300 Land $89,300 Building $168,000 | $180,110 Land $62,510 Building $117,600 |
| 2024 | $7,886.00 (+3.68%) | ||
| 2023 | $7,606.00 (+1.45%) | $257,300 (+17.76%) Land $89,300 Building $168,000 | |
| 2022 | $7,497.00 | $218,500 Land $70,800 Building $147,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 685 Lower Ln in Zone X, an area of minimal flood risk.
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 risk around 685 Lower Ln is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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