977 Bow Ln, Middletown, CT 06457 Property Records

Middletown City property record for 977 Bow Ln, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1973
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Dec 2016)
Tax Bill	$8,103 (2026)
Deeds & Mortgages	Oct 2021 Refinance Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:47 L:0013`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:47 L:0013`
Alternative APN	`R06421`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R06421
Street Address	977 BOW LN
City	MIDDLETOWN
State	CT
Zip	06457-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-45
Legal Lot Number	13
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2006
Census Tract	680200

Owner

Source: Middletown City records, as of October 20, 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	977 BOW LN, MIDDLETOWN, CT 06457-4810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance WATERMARK CAPITAL INC
Oct 26, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance WATERMARK CAPITAL INC
Dec 4, 2017	Deed of Trust, Mortgage · ARM ION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2016 · Amount on Record
Deed Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	20163294560002
Deed Book / Page	1881 / 957
Last Transfer Date	Aug 27, 2021
Transfer Doc	002025-558
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Oct 26, 2021
Property Address	977 BOW LN, MIDDLETOWN, CT 06457-4810
Document Number	002025-558
Book / Page	2025 / 558
Instrument Date	Aug 27, 2021
Instrument	3654610004
Transaction Type	Transfer
Record Updated	Jul 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 BOW LN, MIDDLETOWN, CT 06457-4810

Mortgage

Document Number	3654620010
Date	Oct 26, 2021
Instrument	3654620010

Lender

Name	WATERMARK CAPITAL INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Oct 26, 2021
Property Address	977 BOW LN, MIDDLETOWN, CT 06457-4810
Document Number	2025-558
Book / Page	2025 / 558
Instrument Date	Aug 27, 2021
Instrument	3654610004
Transaction Type	Transfer
Record Updated	Nov 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 BOW LN, MIDDLETOWN, CT 06457-4810

Mortgage

Document Number	2025-562
Date	Oct 26, 2021
Book Page	2025/562
Instrument	3654620010

Lender

Name	WATERMARK CAPITAL INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETOWN CT
Property Address	977 BOW LN, MIDDLETOWN, CT 06457-4810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1909-391
Date	Dec 4, 2017
Book Page	1909/391
Instrument	3368870018

Lender

Name	ION BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

Source: Middletown City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Middletown City
Unified School District	Middletown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,103.00 (+8.96%)	$209,870 (+4.44%) Land $63,790 Building $146,080	$302,541 (+115.08%)
2025		$200,950 (-) Land $63,790 Building $137,160	$140,665 Land $44,653 Building $96,012
2024	$7,437.00 (+4.51%)	$200,950 (-) Land $63,790 Building $137,160
2023	$7,116.00 (+6.89%)	$200,950 (+24.53%) Land $63,790 Building $137,160
2022	$6,657.00	$161,370 Land $50,480 Building $110,890

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 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 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

Cell Coverage

5G (outdoors only) and 4G LTE

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