168 Charles St, Torrington, CT 06790 Property Records

Torrington City property record for 168 Charles St, Torrington, CT 06790

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,961 sqft · built 1940
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$98,000 (Jun 1998)
Tax Bill	$6,872 (2026)
Deeds & Mortgages	Aug 2024 Refinance Nov 2017 Mortgage
APN	`003586`

Property Details

APN / Parcel Number

Primary APN	`003586`
Alternative APNs	`TORR M:124 B:013 L:015` `3586`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,961 sqft Living Area
Gross Area	3,658 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	3586
Street Address	168 CHARLES ST
City	TORRINGTON
State	CT
Zip	06790-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S
Legal Block	13
Legal Lot Number	15
Jurisdiction	TORRINGTON CT
Township / Civil Division	TORRINGTON
Census Block Group	1
Census Block	1000
Census Tract	310500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	168 CHARLES ST, TORRINGTON, CT 06790-3820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CSE CREDIT UNION INC
Nov 20, 2017	Deed of Trust, Mortgage WEBSTER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 1998 · Amount on Record
Deed Sale	Jun 29, 1998 · Amount on Record
Prior Sale	Oct 18, 1996 · Amount on Record
Deed Book / Page	678 / 27
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	168 CHARLES ST, TORRINGTON, CT 06790-3820
Transaction Type	Mortgage
Record Updated	Aug 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001418-655
Date	Aug 7, 2024
Book Page	1418/655
Instrument	2024-494641

Lender

Name	CSE CREDIT UNION INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2034

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	168 CHARLES ST, TORRINGTON, CT 06790-3820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1257-640
Date	Nov 20, 2017
Book Page	1257/640

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Torrington City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Torrington City
Unified School District	Torrington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,872.00 (-12.98%)	$205,380 (-) Land $23,800 Building $181,580	$316,832 (+120.38%)
2025	$7,897.00	$205,380 (+104.42%) Land $23,800 Building $181,580	$143,766 Land $16,660 Building $127,106
2024	$7,897.00 (+63.87%)
2023	$4,819.00 (+1.75%)	$100,470 (-) Land $23,760 Building $76,710
2022	$4,736.00	$100,470 Land $23,760 Building $76,710

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

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% 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	TORRINGTON WATER COMPANY private · serves 37,915 people · EPA ID CT1430011
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Treatment report not submitted Mar 2019
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000

May also be available: Verizon.

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