95 Cedar St, Manchester, CT 06040 Property Records

Manchester Town property record for 95 Cedar St, Manchester, CT 06040

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,266 sqft · built 1905
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Dec 2025)
Tax Bill	$4,675 (2025)
Deeds & Mortgages	Feb 2022 Refinance Dec 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`101000095`

Property Details

APN / Parcel Number

Primary APN	`101000095`
Alternative APNs	`MANC M:63 B:1010 L:95` `MCHS M:63 B:1010 L:95`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,266 sqft Living Area
Gross Area	4,386 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	101000095
Street Address	95 CEDAR ST
City	MANCHESTER
State	CT
Zip	06040-5841
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RB
Legal Block	1010
Legal Lot Number	95
Jurisdiction	MANCHESTER CT
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1015
Census Tract	514600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Manchester Historic District listed 2000 · 879 contributing resources · NRIS 00000857

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Manchester 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	Individual Name on Record
Mailing Address	95 CEDAR ST, MANCHESTER, CT 06040-5841
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIBANK NA
Dec 24, 2025	Warranty Deed, Subdivision Related Transfer · Line of Credit CROSSCOUNTRY MORTGAGE INC
Nov 12, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage CESC REAL ESTATE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 24, 2025 · Amount on Record
Deed Sale	Dec 24, 2025 · Amount on Record
Prior Sale	Nov 12, 2024 · Amount on Record
Deed Book / Page	4781 / 464
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CT
Property Address	95 CEDAR ST, MANCHESTER, CT 06040-5841
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004682-96
Date	Feb 22, 2022
Book Page	4682/96

Lender

Name	CITIBANK NA
Type	Bank

Agreement

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

December 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Dec 24, 2025
Property Address	95 CEDAR ST, MANCHESTER, CT 06040-5841
Document Number	004781-464
Book / Page	4781 / 464
Instrument Date	Dec 22, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 14, 2026

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	95 CEDAR ST, MANCHESTER, CT 06040-5841

Mortgage

Document Number	6950910015
Date	Dec 24, 2025
Instrument	6950910015

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CT
Recording Date	Nov 12, 2024
Property Address	95 CEDAR ST, MANCHESTER, CT 06040-5841
Document Number	004750-372
Book / Page	4750 / 372
Instrument Date	Nov 8, 2024
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	6866760022
Date	Nov 12, 2024
Instrument	6866760022

Lender

Name	CESC REAL ESTATE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,675.00	$117,400 (-30.2%) Land $31,700 Building $85,700	$82,180 Land $22,190 Building $59,990
2024	$4,675.00 (-25.28%)
2023	$6,257.00 (+3%)	$168,200 (-) Land $31,700 Building $136,500
2022	$6,075.00	$168,200 Land $31,700 Building $136,500

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	MANCHESTER WATER DEPARTMENT serves 51,198 people · EPA ID CT0770021
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GoNetspeed, T-Mobile.

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