46 Spencer Rd, Torrington, CT 06790 Property Records

Torrington City property record for 46 Spencer Rd, Torrington, CT 06790

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,052 sqft · built 1957
Lot Size	2.87 acres (125,017 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Mar 2008)
Tax Bill	$8,010 (2026)
Deeds & Mortgages	Mar 2025 Line of Credit Dec 2021 Refinance
APN	`10879`

Property Details

APN / Parcel Number

Primary APN	`10879`
Alternative APNs	`TORR M:245 B:003 L:004` `010879`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
Gross Area	3,073 sqft
Basement Area	2,052 sqft
Unfinished Basement	2,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	125,017 sqft (2.87 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	10879
Street Address	46 SPENCER RD
City	TORRINGTON
State	CT
Zip	06790-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-WP
Legal Block	3
Legal Lot Number	4
Jurisdiction	TORRINGTON CT
Township / Civil Division	TORRINGTON
Census Block Group	1
Census Block	1014
Census Tract	310601

Owner

46 Spencer Rd is owned and occupied by an individual who acquired it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	46 SPENCER RD, TORRINGTON, CT 06790-2513
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
Mar 24, 2025	Deed of Trust, Mortgage · Line of Credit TORRINGTON SAVINGS BANK
Dec 29, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance TORRINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2008 · Amount on File
Deed Sale	Mar 31, 2008 · Amount on File
Deed Book / Page	1038 / 301
Last Transfer Date	Dec 9, 2021
Transfer Doc	001354-851
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	46 SPENCER RD, TORRINGTON, CT 06790-2513
Transaction Type	Mortgage
Record Updated	Apr 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001432-395
Date	Mar 24, 2025
Book Page	1432/395
Instrument	2025-498733

Lender

Name	TORRINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TORRINGTON CT
Recording Date	Dec 29, 2021
Property Address	46 SPENCER RD, TORRINGTON, CT 06790-2513
Document Number	001354-851
Book / Page	1354 / 851
Instrument Date	Dec 9, 2021
Instrument	2021-471503
Transaction Type	Transfer
Record Updated	Jul 25, 2024

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
Address	46 SPENCER RD, TORRINGTON, CT 06790-2513

Mortgage

Document Number	2021471505
Date	Dec 29, 2021
Instrument	2021-471505

Lender

Name	TORRINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 46 Spencer Rd was $8,010, 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	$8,010.00 (-12.98%)	$239,400 (-) Land $36,330 Building $203,070	$358,911 (+114.17%)
2025	$9,205.00	$239,400 Land $36,330 Building $203,070	$167,580 Land $25,431 Building $142,149
2024	$9,205.00 (+29.65%)
2023	$7,100.00 (+1.73%)	$148,040 (-) Land $36,350 Building $111,690
2022	$6,979.00	$148,040 Land $36,350 Building $111,690

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

Flood

FEMA has no flood map on file for 46 Spencer Rd.

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 46 Spencer Rd is low, with a 0.02% 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	0.02% 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	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 20 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: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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