97 Commerce St, Clinton, CT 06413 Property Records

Clinton Town property record for 97 Commerce St, Clinton, CT 06413

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,184 sqft · built 1840
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$672,200 (Jul 2024)
Tax Bill	$9,323 (2025)
Deeds & Mortgages	Dec 2021 Refinance Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`K0303000`

Property Details

APN / Parcel Number

Primary APN	`K0303000`
Alternative APNs	`CLIN M:45 B:35 L:21` `CLTN M:45 B:35 L:21`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,184 sqft Living Area
Gross Area	4,301 sqft
Basement Area	1,130 sqft
Unfinished Basement	1,130 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	K0303000
Street Address	97 COMMERCE ST
City	CLINTON
State	CT
Zip	06413-2006
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-10
Legal Block	35
Legal Lot Number	21
Jurisdiction	CLINTON CT
Township / Civil Division	CLINTON
Census Block Group	2
Census Block	2009
Census Tract	610100

Historic Designation

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

Historic District	Within the Commerce Street Historic District listed 2024 · 59 contributing resources · NRIS 100009867

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

Owner

Source: Clinton 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	38 DELANCEY ST, 11A, NEW YORK, NY 10002-4197
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jul 18, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2024 · Amount on Record
Deed Sale	Jul 18, 2024 · Amount on Record
Deed Book / Page	557 / 498
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON CT
Property Address	97 COMMERCE ST, CLINTON, CT 06413-2006
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000540-172
Date	Dec 22, 2021
Book Page	540/172
Instrument	1657400005

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON CT
Recording Date	Jul 18, 2024
Property Address	97 COMMERCE ST, CLINTON, CT 06413-2006
Document Number	000557-498
Book / Page	557 / 498
Instrument Date	Jul 16, 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
Address	38 DELANCEY ST APT 11A, 11A, NEW YORK, NY 10002-4197

Mortgage

Document Number	1712630021
Date	Jul 18, 2024
Instrument	1712630021

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,323.00	$299,400 (-) Land $136,200 Building $163,200	$209,580 Land $95,340 Building $114,240
2024	$9,323.00 (+4.39%)
2023	$8,931.00	$299,400 (-) Land $136,200 Building $163,200
2022	$8,931.00	$299,400 Land $136,200 Building $163,200

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 November 28, 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 99.1% of the US · lower than 99% of Connecticut
Wildfire Likelihood	Under 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	CTWC - SHORELINE REGION-GUILFORD SYSTEM private · serves 33,975 people · EPA ID CT0608011
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 248 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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