14 Cross St, Hamden, CT 06514 Property Records

Hamden Town property record for 14 Cross St, Hamden, CT 06514

Property Summary

Property Type	Triplex
Details	6 bd · 3.5 ba · 2,640 sqft · built 1925
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$387,000 (Jul 2023)
Tax Bill	$15,016 (2026)
Deeds & Mortgages	Aug 2024 Refinance Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HAMD M:2325 B:498 L:00-0000`

Property Details

APN / Parcel Number

Primary APN	`HAMD M:2325 B:498 L:00-0000`
Alternative APN	`M:2325 B:498 L:00=0000`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,640 sqft Living Area
Gross Area	4,553 sqft
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	14 CROSS ST
City	HAMDEN
State	CT
Zip	06514-4020
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R5
Legal Block	498
Legal Lot Number	0000
Jurisdiction	HAMDEN CT
Township / Civil Division	HAMDEN
Census Block Group	3
Census Block	3007
Census Tract	165600

Owner

14 Cross St, a triplex, is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	14 CROSS ST, HAMDEN, CT 06514-4020
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
Aug 28, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance OCMBC INC
Jul 17, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2023 · Amount on File
Deed Sale	Jul 17, 2023 · Amount on File
Prior Sale	Mar 12, 1998 · Amount on File
Deed Document Number	20233606
Deed Book / Page	5097 / 276
Transfer Doc	1718000147
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMDEN CT
Property Address	14 CROSS ST, HAMDEN, CT 06514-4020
Transaction Type	Mortgage
Record Updated	Sep 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00005205-1
Date	Aug 28, 2024
Book Page	5205/1
Instrument	4491

Lender

Name	OCMBC INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMDEN CT
Recording Date	Jul 17, 2023
Property Address	14 CROSS ST, HAMDEN, CT 06514-4020
Document Number	005097-276
Book / Page	5097 / 276
Instrument Date	Jul 13, 2023
Instrument	3606
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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

Mortgage

Document Number	0000003607
Date	Jul 17, 2023
Instrument	3607

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 14 Cross St was $15,016.

Source: Hamden Town assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Hamden Town
Unified School District	Hamden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,016.00	$279,790 (-) Land $37,940 Building $241,850
2025		$279,790 (+61.69%) Land $37,940 Building $241,850	$399,700 Land $54,200 Building $345,500
2024	$14,516.00 (+50.85%)	$173,040 (-) Land $24,150 Building $148,890
2023	$9,623.00	$173,040 Land $24,150 Building $148,890

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 14 Cross 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

Wildfire risk around 14 Cross 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	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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
Water Source	Surface water
Last State Inspection	Jun 2024
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 797 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
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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