20 Charles St, Centerbrook, CT 06409 Property Records

Essex Town property record for 20 Charles St, Centerbrook, CT 06409

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,427 sqft · built 1940
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Dec 2006)
Tax Bill	$6,389 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ESSE M:43 B:054`

Property Details

APN / Parcel Number

Primary APN	`ESSE M:43 B:054`
Alternative APNs	`ESSX M:43 B:054` `00184400` `184400`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,427 sqft Living Area
Gross Area	5,005 sqft
1st Floor Area	960 sqft
Basement Area	1,055 sqft
Unfinished Basement	1,055 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	184400
Street Address	20 CHARLES ST
City	CENTERBROOK
State	CT
Zip	06409-1060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	54
Jurisdiction	ESSEX CT
Township / Civil Division	ESSEX
Census Block Group	2
Census Block	2003
Census Tract	630101

Owner

20 Charles St is owned and occupied by two individuals who bought it in December 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 CHARLES ST, CENTERBROOK, CT 06409-1060
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
Apr 13, 2021	Deed of Trust, Mortgage · Balloon Mortgage WILLIAM RAVEIS MORTGAGE CO
Apr 13, 2021	Deed of Trust, Mortgage · Balloon Mortgage WILLIAM RAVEIS MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2006 · Amount on File
Deed Sale	Dec 19, 2006 · Amount on File
Prior Sale	May 16, 2000 · Amount on File
Deed Book / Page	257 / 268
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX CT
Property Address	20 CHARLES ST, CENTERBROOK, CT 06409-1060
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000341-425
Date	Apr 13, 2021
Book Page	341/425

Lender

Name	WILLIAM RAVEIS MORTGAGE CO

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX CT
Property Address	20 CHARLES ST, CENTERBROOK, CT 06409-1060
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	341-425
Date	Apr 13, 2021
Book Page	341/425

Lender

Name	WILLIAM RAVEIS MORTGAGE CO

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 20 Charles St was $6,389, 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	$6,389.00 (+3.38%)	$331,700 (-) Land $74,100 Building $257,600	$716,836 (+208.73%)
2025	$6,180.00	$331,700 Land $74,100 Building $257,600	$232,190 Land $51,870 Building $180,320
2024	$6,180.00 (+11.39%)
2023	$5,548.00 (-0.27%)	$245,600 (-) Land $69,300 Building $176,300
2022	$5,563.00	$245,600 Land $69,300 Building $176,300

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

Flood

FEMA maps place 20 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 20 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	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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