403 Charles St, Torrington, CT 06790 Property Records

Torrington City property record for 403 Charles St, Torrington, CT 06790

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,137 sqft · built 1951
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$252,000 (Jun 2025)
Tax Bill	$4,809 (2026)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Oct 2020 Sale & Mortgage + 5 more
APN	`006787`

Property Details

APN / Parcel Number

Primary APN	`006787`
Alternative APNs	`TORR M:134 B:002 L:005` `6787`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,137 sqft Living Area
Gross Area	2,550 sqft
Basement Area	827 sqft
Unfinished Basement	827 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	6787
Street Address	403 CHARLES ST
City	TORRINGTON
State	CT
Zip	06790-3419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S
Legal Block	2
Legal Lot Number	5
Jurisdiction	TORRINGTON CT
Township / Civil Division	TORRINGTON
Census Block Group	3
Census Block	3005
Census Tract	310100

Owner

403 Charles St is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jun 10, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage CMG HOME LOANS
Oct 26, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA
Nov 27, 2019	Deed of Trust, Mortgage LENDINGONE
Nov 30, 2018	Deed of Trust, Mortgage · Conventional with PMI RCN CAP
Nov 15, 2018	Quit Claim Deed, Transfer
Jun 28, 2018	Warranty Deed, Foreclosure
Sep 15, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2025 · Amount on File
Deed Sale	Jun 10, 2025 · Amount on File
Prior Sale	Oct 26, 2020 · Amount on File
Deed Document Number	20252025-501818
Deed Book / Page	1438 / 482
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TORRINGTON CT
Recording Date	Jun 10, 2025
Property Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Document Number	001438-482
Book / Page	1438 / 482
Instrument Date	Jun 9, 2025
Instrument	2025-501818
Transaction Type	Transfer
Record Updated	Oct 4, 2025

Transaction

Amount	Amount 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	2025501819
Date	Jun 10, 2025
Instrument	2025-501819

Lender

Name	CMG HOME LOANS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	001438-507
Date	Jun 10, 2025
Book Page	1438/507
Instrument	2025-501820

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2035

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TORRINGTON CT
Recording Date	Oct 26, 2020
Property Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Document Number	001318-280
Book / Page	1318 / 280
Instrument Date	Oct 21, 2020
Instrument	2020-459765
Transaction Type	Transfer
Record Updated	Jun 21, 2022

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	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2020459766
Date	Oct 26, 2020
Instrument	2020-459766

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Document Number	1298-1029
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	UNKNOWN

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15 SETTLERS TRL STAMFORD CT 069032401, STAMFORD, CT 06903-2401

Mortgage

Document Number	1298-1029
Date	Nov 27, 2019
Book Page	001298/001029
Instrument	452237

Lender

Name	LENDINGONE

Agreement

Amount	Amount on Record

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Document Number	1278-167
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	403 CHARLES ST TORRINGTON CT 067903419, TORRINGTON, CT 06790-3419

Mortgage

Document Number	1278-167
Date	Dec 3, 2018
Book Page	001278/000167
Instrument	443400

Lender

Name	RCN CAP
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	12 Months
Due	Dec 2, 2019

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TORRINGTON CT
Recording Date	Nov 15, 2018
Property Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Document Number	1277-347
Book / Page	001277 / 000347
Instrument Date	Nov 15, 2018
Instrument	443118
Transaction Type	Transfer
Record Updated	Dec 4, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	403 CHARLES ST TORRINGTON CT 067903419, TORRINGTON, CT 06790-3419

June 2018: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	TORRINGTON CT
Recording Date	Jun 28, 2018
Property Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Document Number	1269-772
Book / Page	001269 / 000772
Instrument Date	Nov 14, 2017
Instrument	289
Transaction Type	Foreclosure
Record Updated	Jul 17, 2018

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 #1D OKLAHOMA CITY OK 731072420, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

September 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	TORRINGTON CT
Recording Date	Sep 15, 2017
Property Address	403 CHARLES ST, TORRINGTON, CT 06790-3419
Document Number	1254-547
Book / Page	001254 / 000547
Instrument Date	Aug 8, 2017
Instrument	433626
Transaction Type	Foreclosure
Record Updated	Oct 10, 2017

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	403 CHARLES ST TORRINGTON CT 067903419, TORRINGTON, CT 06790-3419

Tax Assessment & Valuation

The 2026 property tax bill for 403 Charles St was $4,809, 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	$4,809.00 (-12.98%)	$143,710 (-) Land $23,800 Building $119,910	$269,113 (+167.52%)
2025	$5,526.00	$143,710 Land $23,800 Building $119,910	$100,597 Land $16,660 Building $83,937
2024	$5,526.00 (+44.89%)
2023	$3,814.00 (+1.73%)	$79,520 (-) Land $23,760 Building $55,760
2022	$3,749.00	$79,520 Land $23,760 Building $55,760

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 403 Charles 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 403 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	Direct burnable vegetation

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 328 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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