3 Charles St, Enfield, CT 06082 Property Records

Enfield Town property record for 3 Charles St, Enfield, CT 06082

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,548 sqft · built 1989
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,000 (Aug 2026)
Tax Bill	$7,147 (2025)
Deeds & Mortgages	Aug 2026 Sale & Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ENFI M:041 L:0084`

Property Details

APN / Parcel Number

Primary APN	`ENFI M:041 L:0084`
Alternative APNs	`M:0215 B:0001 L:0010` `21500010010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	1,548 sqft
Basement Area	1,440 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	21500010010
Street Address	3 CHARLES ST
City	ENFIELD
State	CT
Zip	06082-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R33
Legal Lot Number	84
Jurisdiction	ENFIELD CT
Township / Civil Division	ENFIELD
Census Block Group	2
Census Block	2000
Census Tract	480500

Owner

Source: Enfield Town records, as of September 15, 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	3 CHARLES ST, ENFIELD, CT 06082-2928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Warranty Deed, Transfer · Line of Credit LEADER BANK NA
Apr 23, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jun 15, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC
Mar 31, 2020	Warranty Deed, Foreclosure UNKNOWN
Jul 31, 2019	Foreclosure UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on Record
Deed Sale	Aug 25, 2026 · Amount on Record
Prior Sale	Jun 15, 2020 · Amount on Record
Deed Document Number	20262027003524
Deed Book / Page	2986 / 999
Prior Transfer Date	Jul 31, 2019
Prior Transfer Doc	2729-983
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ENFIELD CT
Recording Date	Aug 25, 2026
Property Address	3 CHARLES ST, ENFIELD, CT 06082-2928
Document Number	2027003524
Book / Page	2986 / 999
Instrument Date	Aug 20, 2026
Instrument	20262027003524
Transaction Type	Transfer
Record Updated	Sep 15, 2026

Transaction

Amount	Amount Recorded
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
Address	3 CHARLES ST, ENFIELD, CT 06082-2928

Mortgage

Date	Aug 25, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ENFIELD CT
Property Address	3 CHARLES ST, ENFIELD, CT 06082-2928
Transaction Type	Mortgage
Record Updated	May 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2794-183
Date	Apr 23, 2021
Book Page	2794/183
Instrument	2021017841

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ENFIELD CT
Recording Date	Jun 15, 2020
Property Address	3 CHARLES ST, ENFIELD, CT 06082-2928
Document Number	2759-28
Book / Page	2759 / 28
Instrument Date	Jun 11, 2020
Instrument	2020021409
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
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	3 CHARLES ST, ENFIELD, CT 06082-2928

Mortgage

Document Number	2759-31
Date	Jun 15, 2020
Book Page	2759/31
Instrument	2020021410

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2020: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	ENFIELD CT
Recording Date	Mar 31, 2020
Property Address	3 CHARLES ST, ENFIELD, CT 06082-2928
Document Number	2751-843
Book / Page	002751 / 000843
Instrument Date	Aug 6, 2019
Instrument	17002
Transaction Type	Foreclosure
Record Updated	Apr 21, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST OKLAHOMA CITY OK 731072442, OKLAHOMA CITY, OK 73107-2442
Investor	Possibly a Property Investor

July 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	ENFIELD CT
Recording Date	Jul 31, 2019
Property Address	3 CHARLES ST, ENFIELD, CT 06082-2928
Document Number	2729-983
Book / Page	002729 / 000983
Instrument Date	Jul 31, 2019
Transaction Type	Foreclosure
Record Updated	Aug 27, 2019
Title Company	UNKNOWN

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3 CHARLES ST ENFIELD CT 060822928, ENFIELD, CT 06082-2928

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,147.00	$191,600 (-) Land $44,900 Building $146,700	$134,120 Land $31,430 Building $102,690
2024	$7,147.00 (+2.76%)
2023	$6,955.00 (+7.93%)	$191,600 (-) Land $44,900 Building $146,700
2022	$6,444.00	$191,600 Land $44,900 Building $146,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 29, 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 95% 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	CTWC - NORTHERN REG-WESTERN SYSTEM private · serves 101,313 people · EPA ID CT0473011
Water Source	Surface water
Last State Inspection	Oct 2023
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	2 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 322 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
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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