182 N Elm St, Torrington, CT 06790 Property Records

Torrington City property record for 182 N Elm St, Torrington, CT 06790

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,667 sqft · built 1940
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on File
Last Sale	$240,000 (Sep 2025)
Tax Bill	$5,598 (2026)
Deeds & Mortgages	Jan 2023 Refinance Sep 2025 Sale & Mortgage + 3 more
APN	`000444`

Property Details

APN / Parcel Number

Primary APN	`000444`
Alternative APNs	`TORR M:119 B:004 L:019` `444`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,667 sqft Living Area
Gross Area	2,609 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Tile
Lot Area	11,761 sqft (0.27 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	444
Street Address	182 N ELM ST
City	TORRINGTON
State	CT
Zip	06790-4605
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R6
Legal Block	4
Legal Lot Number	19
Jurisdiction	TORRINGTON CT
Township / Civil Division	TORRINGTON
Census Block Group	1
Census Block	1002
Census Tract	310700

Owner

182 N Elm St, a duplex, is owned by a company that bought it in September 2025.

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

Owner of Record	Company Name on File
Mailing Address	2389 MAIN ST, GLASTONBURY, CT 06033-4617
Owner Type	Company
Vesting	Limited Liability Company

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 4, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FAY SERVICING LLC
Sep 18, 2025	Warranty Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC
Jun 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage FINANCE AMERICA LLC
Jun 2, 2021	Quit Claim Deed, Transfer · Commercial Mortgage FINANCE AMERICA LLC
Nov 30, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage LOAN FUNDER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Prior Sale	Nov 30, 2020 · Amount on File
Deed Document Number	2025503935
Deed Book / Page	1445 / 50
Prior Transfer Date	May 26, 2021
Prior Transfer Doc	1336-378
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	182 N ELM ST, TORRINGTON, CT 06790-4605
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001380-772
Date	Jan 4, 2023
Book Page	1380/772
Instrument	2023-480440

Lender

Name	FAY SERVICING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TORRINGTON CT
Recording Date	Sep 18, 2025
Property Address	182 N ELM ST, TORRINGTON, CT 06790-4605
Document Number	0001445-50
Book / Page	1445 / 50
Instrument Date	Sep 16, 2025
Instrument	2025-503935
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Address	2389 MAIN ST, GLASTONBURY, CT 06033-4617

Mortgage

Document Number	2025503936
Date	Sep 18, 2025
Instrument	2025-503936

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	182 N ELM ST, TORRINGTON, CT 06790-4605
Transaction Type	Mortgage
Record Updated	Oct 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001336-380
Date	Jun 2, 2021
Book Page	1336/380
Instrument	2021-466044

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jul 1, 2022

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TORRINGTON CT
Recording Date	Jun 2, 2021
Property Address	182 N ELM ST, TORRINGTON, CT 06790-4605
Document Number	001336-378
Book / Page	1336 / 378
Instrument Date	May 26, 2021
Instrument	2021-466043
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021466044
Date	Jun 2, 2021
Instrument	2021-466044

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jul 1, 2022

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TORRINGTON CT
Recording Date	Nov 30, 2020
Property Address	182 N ELM ST, TORRINGTON, CT 06790-4605
Document Number	1320-992
Book / Page	1320 / 992
Instrument Date	Nov 20, 2020
Instrument	2020-460550
Transaction Type	Transfer
Record Updated	May 21, 2021

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	2020460551
Date	Nov 30, 2020
Instrument	2020-460551

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 182 N Elm St was $5,598, down 13% from the year before.

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	$5,598.00 (-12.98%)	$167,300 (-) Land $20,370 Building $146,930	$286,582 (+144.71%)
2025	$6,433.00	$167,300 Land $20,370 Building $146,930	$117,110 Land $14,259 Building $102,851
2024	$6,433.00 (+67.96%)
2023	$3,830.00 (+1.73%)	$79,860 (-) Land $20,360 Building $59,500
2022	$3,765.00	$79,860 Land $20,360 Building $59,500

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 has no flood map on file for 182 N Elm St.

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

Wildfire risk around 182 N Elm 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	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 468 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.

Nearby Properties on N Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures