845 Lower Ln, Berlin, CT 06037 Property Records

Berlin Town property record for 845 Lower Ln, Berlin, CT 06037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,426 sqft · built 1979
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Apr 2019)
Tax Bill	$6,443 (2025)
Deeds & Mortgages	Oct 2024 Refinance Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BERL M:21-2 B:114 L:12A`

Property Details

APN / Parcel Number

Primary APN	`BERL M:21-2 B:114 L:12A`
Alternative APNs	`BRLN M:21-2 B:114 L:12A` `1033110` `033110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,426 sqft Living Area
Gross Area	2,872 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1033110
Street Address	845 LOWER LN
City	BERLIN
State	CT
Zip	06037-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Block	114
Legal Lot Number	12A
Jurisdiction	BERLIN CT
Township / Civil Division	BERLIN
Census Block Group	2
Census Block	2028
Census Tract	400102

Owner

Source: Berlin Town records, as of June 25, 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	845 LOWER LN, BERLIN, CT 06037-3636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Apr 4, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2019 · Amount on Record
Deed Sale	Apr 4, 2019 · Amount on Record
Prior Sale	Aug 23, 2011 · Amount on Record
Deed Document Number	20191499510002
Deed Book / Page	756 / 278
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CT
Property Address	845 LOWER LN, BERLIN, CT 06037-3636
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000829-206
Date	Oct 3, 2024
Book Page	829/206

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERLIN CT
Recording Date	Apr 4, 2019
Property Address	845 LOWER LN, BERLIN, CT 06037-3636
Document Number	756-278
Book / Page	756 / 278
Instrument Date	Mar 29, 2019
Instrument	1499510002
Transaction Type	Transfer
Record Updated	May 21, 2021

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	845 LOWER LN, BERLIN, CT 06037-3636

Mortgage

Document Number	1499520015
Date	Apr 4, 2019
Instrument	1499520015

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA 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	$6,443.00	$210,200 (-) Land $88,100 Building $122,100	$147,140 Land $61,670 Building $85,470
2024	$6,443.00 (+3.69%)
2023	$6,214.00 (+7.29%)	$210,200 (+24.53%) Land $88,100 Building $122,100
2022	$5,792.00	$168,800 Land $69,900 Building $98,900

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 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	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.

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 183 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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