43 Charles St, Putnam, CT 06260 Property Records

Putnam Town property record for 43 Charles St, Putnam, CT 06260

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 2007
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,742 (2025)
Deeds & Mortgages	Sep 2024 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:016 B:075 L:02`

Property Details

APN / Parcel Number

Primary APN	`M:016 B:075 L:02`
Alternative APNs	`PUTN M:016 L:004 U:000` `3784`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,328 sqft
Basement Area	1,104 sqft
Unfinished Basement	288 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asbestos
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3784
Street Address	43 CHARLES ST
City	PUTNAM
State	CT
Zip	06260-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Lot Number	4
Jurisdiction	PUTNAM CT
Township / Civil Division	PUTNAM
Census Block Group	1
Census Block	1032
Census Tract	903102

Owner

Source: Putnam 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	2 Individual Names on Record
Mailing Address	43 CHARLES ST, PUTNAM, CT 06260-2003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Aug 5, 2021	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Aug 5, 2021	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Nov 6, 2018	Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2021
Deed Sale	Aug 5, 2021
Prior Sale	Nov 6, 2018 · Amount on Record
Deed Document Number	20211544
Deed Book / Page	843 / 419
Prior Transfer Date	Mar 25, 2021
Prior Transfer Doc	000843-419
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM CT
Property Address	43 CHARLES ST, PUTNAM, CT 06260-2003
Transaction Type	Mortgage
Record Updated	Sep 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000865-454
Date	Sep 3, 2024
Book Page	865/454
Instrument	1209

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM CT
Recording Date	Aug 5, 2021
Property Address	43 CHARLES ST, PUTNAM, CT 06260-2003
Document Number	000843-419
Book / Page	843 / 419
Instrument Date	Mar 25, 2021
Instrument	1544
Transaction Type	Transfer
Record Updated	Jul 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	43 CHARLES ST, PUTNAM, CT 06260-2003

Mortgage

Document Number	0000001545
Date	Aug 5, 2021
Instrument	1545

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM CT
Recording Date	Aug 5, 2021
Property Address	43 CHARLES ST, PUTNAM, CT 06260-2003
Document Number	843-419
Book / Page	843 / 419
Instrument Date	Mar 25, 2021
Instrument	1544
Transaction Type	Transfer
Record Updated	Aug 19, 2021

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
Relationship	Joint Tenants
Address	43 CHARLES ST, PUTNAM, CT 06260-2003

Mortgage

Document Number	843-421
Date	Aug 5, 2021
Book Page	843/421
Instrument	1545

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM CT
Recording Date	Nov 6, 2018
Property Address	43 CHARLES ST, PUTNAM, CT 06260-2003
Document Number	823-790
Book / Page	000823 / 000790
Instrument Date	Nov 2, 2018
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 N SCOTTSDALE RD SCOTTSDALE AZ 852517630, SCOTTSDALE, AZ 85251-7630

Mortgage

Document Number	823-792
Date	Nov 6, 2018
Book Page	000823/000792

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,742.00	$226,500 (+54.92%) Land $24,900 Building $201,600	$158,550 Land $17,430 Building $141,120
2024	$5,742.00 (+23.54%)
2023	$4,648.00 (+3.59%)	$146,200 (-) Land $18,800 Building $127,400
2022	$4,487.00	$146,200 Land $18,800 Building $127,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2023

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 94% of the US · lower than 89% of Connecticut
Wildfire Likelihood	Under 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	PUTNAM WATER POLLUTION CONTROL AUTHORITY serves 7,300 people · EPA ID CT1160011
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	20 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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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