3 Oak St, Enfield, CT 06082 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,411 sqft · built 1840
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Nov 2023)
Tax Bill	$6,827 (2025)
Deeds & Mortgages	Sep 2024 Mortgage May 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ENFI M:092 L:0023`

Property Details

APN / Parcel Number

Primary APN	`ENFI M:092 L:0023`
Alternative APNs	`M:0622 B:0001 L:0010` `62200010010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,411 sqft Living Area
Gross Area	5,232 sqft
1st Floor Area	1,462 sqft
Attic	Attic
Attic Area	949 sqft
Basement Area	1,462 sqft
Unfinished Basement	1,442 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	62200010010
Street Address	3 OAK ST
City	ENFIELD
State	CT
Zip	06082-4722
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R33
Legal Lot Number	23
Jurisdiction	ENFIELD CT
Township / Civil Division	ENFIELD
Census Block Group	1
Census Block	1003
Census Tract	480800

Owner

Source: Enfield Town records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3 OAK ST, ENFIELD, CT 06082-4722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2024	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 23, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOAN FUNDER LLC
Nov 6, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST WORLD MORTGAGE CORPORATION
Dec 1, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN EAGLE FCU
Apr 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN EAGLE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2023 · Amount on Record
Deed Sale	Nov 6, 2023 · Amount on Record
Prior Sale	Sep 30, 2004 · Amount on Record
Deed Document Number	20232024007475
Deed Book / Page	2887 / 250
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ENFIELD CT
Property Address	3 OAK ST, ENFIELD, CT 06082-4722
Transaction Type	Mortgage
Record Updated	Oct 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002917-413
Date	Sep 26, 2024
Book Page	2917/413
Instrument	2025004785

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2053

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ENFIELD CT
Property Address	3 OAK ST, ENFIELD, CT 06082-4722
Transaction Type	Mortgage
Record Updated	Jun 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002905-269
Date	May 23, 2024
Book Page	2905/269
Instrument	2024019754

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ENFIELD CT
Recording Date	Nov 6, 2023
Property Address	3 OAK ST, ENFIELD, CT 06082-4722
Document Number	002887-250
Book / Page	2887 / 250
Instrument Date	Nov 3, 2023
Instrument	2024007475
Transaction Type	Transfer
Record Updated	Nov 22, 2023

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 OAK ST, ENFIELD, CT 06082-4722

Mortgage

Document Number	2024007476
Date	Nov 6, 2023
Instrument	2024007476

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ENFIELD CT
Property Address	3 OAK ST, ENFIELD, CT 06082-4722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2682-729
Date	Dec 1, 2017
Book Page	2682/729

Lender

Name	AMERICAN EAGLE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2022

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ENFIELD CT
Property Address	3 OAK ST, ENFIELD, CT 06082-4722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2753-522
Date	Apr 20, 2020
Book Page	2753/522
Instrument	2020017993

Lender

Name	AMERICAN EAGLE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

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	$6,827.00	$194,500 (+11.4%) Land $48,700 Building $145,800	$136,150 Land $34,090 Building $102,060
2024	$6,827.00 (+16.5%)
2023	$5,860.00 (+8.66%)	$174,600 (-) Land $48,700 Building $125,900
2022	$5,393.00	$174,600 Land $48,700 Building $125,900

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 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	HAZARDVILLE WATER COMPANY private · serves 18,544 people · EPA ID CT0490021
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) 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 330 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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