PLS-2026-231146

10 Prospect Street is the Hartford Times Building, the downtown anchor of UConn's Hartford campus, in the Front Street District. The assessor record describes a 5-story, steel-frame building with concrete-block / masonry exterior walls and a flat roof — a single building on a ~1.56-acre (67,954 sq ft) parcel, with 173,601 sq ft of gross/living area. The structure was originally completed in 1920 and underwent a major reconstruction in 2014–2017, reopening as a UConn campus in summer 2017. It is owned by the State of Connecticut (University of Connecticut) and is tax-exempt. Current use is a mixed academic occupancy: classrooms, academic department offices, labs, student space, and ground-floor retail.

The ISO construction class is an INFERENCE, not a public-record field. A steel frame with masonry/concrete walls on a fully reconstructed institutional building points to ISO Class 6 — Fire Resistive, or possibly ISO Class 5 — Modified Fire Resistive if structural fire ratings come in under 2 hours. The 5-vs-6 distinction is unconfirmed because the actual fire-resistance ratings of the steel and floor assemblies are not verifiable from public sources. It is clearly NOT frame (1), joisted masonry (2), or ordinary non-combustible (3). Confirm the structural fire ratings on survey to finalize the class.

The property occupies a ~1.56-acre downtown parcel in Hartford's Front Street District. Built in 1920 as the headquarters of The Hartford Times newspaper (architect Donn Barber, Beaux-Arts style — who also designed the nearby Travelers Tower and the Connecticut State Library/Supreme Court Building), the building sat largely vacant for roughly 12 years before its 2014–2017 redevelopment by Robert A.M. Stern Architects. The historic facade — including 6 green-granite columns and pilasters salvaged from Stanford White's Madison Square Presbyterian Church and Renaissance sgraffito murals by Ralph Milne Calder — was preserved and joined to a new ~140,000 sq ft structure with a three-story atrium. The facade restoration won a Connecticut Trust for Historic Preservation Award of Merit in 2018.

FEMA flood zone, percent-sprinklered, and the ISO construction-class confirmation are NOT in the supplied profile and are open items: pull the FEMA NFHL panel for the parcel, confirm sprinkler coverage on survey, and confirm the structural fire ratings to finalize the ISO class (5 vs 6). Per the supplied profile's data caveat, the assessor figures come through a third-party mirror of the City of Hartford assessor record (the official portal is JavaScript-gated); for underwriting use, pull the official Hartford assessor card and recorded deed for stamped confirmation of construction type, lot size, and ownership history.

Fire in a 5-story, fire-resistive (steel frame / masonry) reconstructed institutional building in mixed academic occupancy (classrooms, offices, labs, ground-floor retail). Sprinkler coverage and FEMA flood determination are open items pending survey and NFHL pull.

The building operates as the downtown anchor of UConn's Hartford campus. Interior use is a mix of classrooms, academic department offices, labs, and student space, with ground-floor retail at street level. The property is state-owned (University of Connecticut) and tax-exempt.

A single primary value subject is present: the Hartford Times Building (173,601 sq ft). As a state-owned, tax-exempt property it carries no meaningful market assessment, so the relevant economic figure is the roughly $115M public reconstruction completed 2014–2017 (Robert A.M. Stern Architects; design fee reported ~$7.8M). A Redfin automated estimate of roughly $954K that appears online should be DISREGARDED — it is a residential algorithm misfiring on an institutional building. Building, BPP, and Business Income insured values, and the Commercial Express valuation, are carrier-supplied and pending.

Loss analysis is pending the carrier loss-run. On receipt, this section will summarize notable loss insights or trends (positive or negative), loss details and underlying cause(s), and corrective actions taken or still needed. No loss history is included in the supplied property profile.