18 Charles St, Darien, CT 06820 Property Records

Darien Town property record for 18 Charles St, Darien, CT 06820

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,451 sqft · built 1954
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$2,310,000 (Jul 2026)
Tax Bill	$14,833 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DARI M:23 B:59`

Property Details

APN / Parcel Number

Primary APN	`DARI M:23 B:59`
Alternative APN	`4391`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,451 sqft Living Area
1st Floor Area	988 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4391
Street Address	18 CHARLES ST
City	DARIEN
State	CT
Zip	06820-4011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Block	59
Jurisdiction	DARIEN CT
Township / Civil Division	DARIEN
Census Block Group	1
Census Block	1013
Census Tract	30500

Owner

18 Charles St is owned by two individuals who bought it in July 2026.

Source: Darien Town records, as of August 12, 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 File
Mailing Address	440 HIGHS RD # 313, 313, DARIEN, CT 06820
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · ARM MORGAN STANLEY BANK
May 15, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 18, 2020	Deed of Trust, Mortgage FINANCE AMERICA
Sep 7, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Jun 25, 2020 · Amount on File
Deed Document Number	20261500
Deed Book / Page	1789 / 1018
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARIEN CT
Recording Date	Jul 16, 2026
Property Address	18 CHARLES ST, DARIEN, CT 06820-4011
Document Number	0000001500
Book / Page	1789 / 1018
Instrument Date	Jul 6, 2026
Instrument	20261500
Transaction Type	Transfer
Record Updated	Aug 12, 2026

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
Relationship	Joint Tenants

Mortgage

Date	Jul 16, 2026

Lender

Name	MORGAN STANLEY BANK

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Type Change Date	Aug 1, 2036
Margin	3
Max Rate	-1%

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARIEN CT
Property Address	18 CHARLES ST, DARIEN, CT 06820-4011
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001774-132
Date	May 15, 2025
Book Page	1774/132

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARIEN CT
Property Address	18 CHARLES ST, DARIEN, CT 06820-4011
Document Number	1674-106
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	175 PETERS LN STRATFORD CT 066141056, STRATFORD, CT 06614-1056

Mortgage

Document Number	1674-106
Date	Mar 20, 2020
Book Page	001674/000106

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	12 Months
Due	Mar 19, 2021

September 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	DARIEN CT
Recording Date	Sep 7, 2018
Property Address	18 CHARLES ST, DARIEN, CT 06820-4011
Document Number	1641-822
Book / Page	001641 / 000822
Instrument Date	Sep 7, 2018
Transaction Type	Foreclosure
Record Updated	Sep 27, 2018

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	18 CHARLES ST DARIEN CT 068204011, DARIEN, CT 06820-4011

Tax Assessment & Valuation

The 2025 property tax bill for 18 Charles St was $14,833.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,833.00	$958,230 Land $386,400 Building $571,830	$670,761 Land $270,480 Building $400,281
2024	$14,833.00 (+16.41%)
2023	$12,742.00 (+2.21%)	$723,590 (-) Land $367,990 Building $355,600
2022	$12,467.00	$723,590 Land $367,990 Building $355,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 18 Charles 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 18 Charles 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	AQUARION-EASTERN FAIRFIELD COUNTY private · serves 351,756 people · EPA ID CT0150011
Water Source	Surface water
Last State Inspection	Jun 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	24 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 333 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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