Meriden City property record for 98 Spruce St, Meriden, CT 06451
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,528 sqft · built 1915 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Sep 2017) |
| Tax Bill | $5,156 (2025) |
| Deeds & Mortgages | Jul 2024 Mortgage Aug 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1207-0349-0015-0016 |
| Primary APN | 1207-0349-0015-0016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,528 sqft Living Area |
| Gross Area | 2,512 sqft |
| 1st Floor Area | 764 sqft |
| Basement Area | 456 sqft |
| Unfinished Basement | 456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1207-0349-0015-0016 |
|---|---|
| Street Address | 98 SPRUCE ST |
| City | MERIDEN |
| State | CT |
| Zip | 06451-2615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Subdivision | OYSTERBAY CONDO |
| Legal Block | 349 |
| Legal Lot Number | 15-16 |
| Jurisdiction | MERIDEN CT |
| Township / Civil Division | MERIDEN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 170500 |
98 Spruce St is owned and occupied by two individuals who bought it in September 2017.
Source: Meriden City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 SPRUCE ST, MERIDEN, CT 06451-2615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 17, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Sep 11, 2017 | Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2017 · Amount on File |
| Deed Sale | Sep 11, 2017 · Amount on File |
| Prior Sale | May 15, 2000 · Amount on File |
| Deed Book / Page | 5239 / 45 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERIDEN CT |
| Property Address | 98 SPRUCE ST, MERIDEN, CT 06451-2615 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005531-12 |
|---|---|
| Date | Jul 26, 2024 |
| Book Page | 5531/12 |
| Instrument | 2024004257 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERIDEN CT |
| Property Address | 98 SPRUCE ST, MERIDEN, CT 06451-2615 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005474-54 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 5474/54 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERIDEN CT |
| Recording Date | Sep 11, 2017 |
| Property Address | 98 SPRUCE ST, MERIDEN, CT 06451-2615 |
| Document Number | 5239-45 |
| Book / Page | 005239 / 000045 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 98 SPRUCE ST MERIDEN CT 064512615, MERIDEN, CT 06451-2615 |
| Document Number | 5239-47 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 005239/000047 |
| Name | SUPREME LNDG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 10, 2047 |
The 2025 property tax bill for 98 Spruce St was $5,156.
Source: Meriden City assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision / Municipality | Meriden City |
| Unified School District | Meriden School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,156.00 | $128,590 (-) Land $50,260 Building $78,330 | $183,700 Land $71,800 Building $111,900 |
| 2024 | $5,156.00 (+10.43%) | $128,590 (-) Land $50,260 Building $78,330 | |
| 2023 | $4,669.00 (+10.07%) | $128,590 (-) Land $50,260 Building $78,330 | |
| 2022 | $4,242.00 | $128,590 Land $50,260 Building $78,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Spruce St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 25, 2026
| 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 risk around 98 Spruce St is low, with 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 80% of the US · above 55% of Connecticut |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MERIDEN WATER DIVISION serves 58,441 people · EPA ID CT0800011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 105 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 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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