11 Earl St, Centerbrook, CT 06409 Property Records

Essex Town property record for 11 Earl St, Centerbrook, CT 06409

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 2023
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$119,000 (Sep 2022)
Tax Bill	$8,790 (2026)
Deeds & Mortgages	Jan 2023 Refinance Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ESSE M:43 B:081`

Property Details

APN / Parcel Number

Primary APN	`ESSE M:43 B:081`
Alternative APNs	`ESSX M:43 B:081` `00130900` `130900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	3,792 sqft
Basement Area	1,488 sqft
Unfinished Basement	1,488 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	130900
Street Address	11 EARL ST
City	CENTERBROOK
State	CT
Zip	06409-1026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	81
Jurisdiction	ESSEX CT
Township / Civil Division	ESSEX
Census Block Group	2
Census Block	2001
Census Tract	630101

Owner

11 Earl St is owned and occupied by two individuals who bought it in September 2022.

Source: Essex Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 EARL ST, CENTERBROOK, CT 06409-1026
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GUILFORD SAVINGS BANK
Sep 12, 2022	Warranty Deed, Transfer
Jun 26, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Jun 26, 2018 · Amount on File
Deed Book / Page	350 / 607
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX CT
Property Address	11 EARL ST, CENTERBROOK, CT 06409-1026
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000351-958
Date	Jan 13, 2023
Book Page	351/958

Lender

Name	GUILFORD SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Feb 1, 2054

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX CT
Recording Date	Sep 12, 2022
Property Address	11 EARL ST, CENTERBROOK, CT 06409-1026
Document Number	000350-607
Book / Page	350 / 607
Instrument Date	Sep 8, 2022
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Investor	Possibly a Property Investor

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX CT
Recording Date	Jun 26, 2018
Property Address	11 EARL ST, CENTERBROOK, CT 06409-1026
Document Number	324-1092
Book / Page	000324 / 001092
Instrument Date	Jun 21, 2018
Transaction Type	Transfer
Record Updated	Jul 17, 2018

Transaction

Amount	Amount on Record
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 11 Earl St was $8,790, up 3.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Essex Town
Elementary School District	Essex School District (PK - 06)
Secondary School District	Regional School District 04 (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,790.00 (+3.38%)	$456,400 (-) Land $78,300 Building $378,100	$756,634 (+136.83%)
2025	$8,503.00	$456,400 Land $78,300 Building $378,100	$319,480 Land $54,810 Building $264,670
2024	$8,503.00 (+1,293.93%)
2023	$610.00 (-0.33%)	$27,000 (-) Land $27,000
2022	$612.00	$27,000 Land $27,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 11 Earl 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 11 Earl 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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-CHESTER SYSTEM private · serves 5,030 people · EPA ID CT0261031
Water Source	Surface water
Last State Inspection	Mar 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 132 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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