98 Smith St, Middletown, CT 06457 Property Records

Middletown City property record for 98 Smith St, Middletown, CT 06457

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,216 sqft · built 1960
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$223,853 (Mar 2026)
Tax Bill	$6,855 (2026)
Deeds & Mortgages	Mar 2026 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MTWN M:06 L:0294`

Property Details

APN / Parcel Number

Primary APN	`MTWN M:06 L:0294`
Alternative APN	`R05071`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	3,484 sqft
1st Floor Area	1,216 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R05071
Street Address	98 SMITH ST
City	MIDDLETOWN
State	CT
Zip	06457-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Lot Number	294
Jurisdiction	MIDDLETOWN CT
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3000
Census Tract	541302

Owner

98 Smith St is owned and occupied by an individual who bought it in March 2026.

Source: Middletown City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	98 SMITH ST, MIDDLETOWN, CT 06457-1709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Aug 7, 2009 · Amount on File
Deed Book / Page	2144 / 571
Prior Transfer Date	Mar 10, 2026
Prior Transfer Doc	002144-571
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLETOWN CT
Recording Date	Mar 16, 2026
Property Address	98 SMITH ST, MIDDLETOWN, CT 06457-1709
Document Number	002144-571
Book / Page	2144 / 571
Instrument Date	Mar 10, 2026
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Amount	Amount 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	98 SMITH ST, MIDDLETOWN, CT 06457-1709

Mortgage

Document Number	0002144573
Date	Mar 16, 2026
Instrument	2144/573

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 98 Smith St was $6,855.

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	$6,855.00	$193,720 (-) Land $64,020 Building $129,700	$348,330 (+156.87%)
2025		$193,720 (-) Land $64,020 Building $129,700	$135,604 Land $44,814 Building $90,790
2024	$6,526.00 (+5.48%)	$193,720 (-) Land $64,020 Building $129,700
2023	$6,187.00 (+24.44%)	$193,720 (+46.17%) Land $64,020 Building $129,700
2022	$4,972.00	$132,530 Land $40,430 Building $92,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 98 Smith St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 98 Smith St is low, with less than 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 98% of the US · lower than 97.2% 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	MIDDLETOWN WATER DEPARTMENT serves 41,019 people · EPA ID CT0830011
Water Source	Surface water
Last State Inspection	Aug 2023
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	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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Frontier, T-Mobile.

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