531 Oxbow Dr, Torrington, CT 06790 Property Records

Torrington City property record for 531 Oxbow Dr, Torrington, CT 06790

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,500 sqft · built 1974
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jul 2025)
Tax Bill	$7,732 (2026)
Deeds & Mortgages	Jul 2025 Sale & Line of Credit Nov 2020 Line of Credit
APN	`005116`

Property Details

APN / Parcel Number

Primary APN	`005116`
Alternative APNs	`TORR M:141 B:004 L:007` `5116`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	3,316 sqft
Basement Area	1,400 sqft
Unfinished Basement	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5116
Street Address	531 OXBOW DR
City	TORRINGTON
State	CT
Zip	06790-4226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S
Legal Block	4
Legal Lot Number	7
Jurisdiction	TORRINGTON CT
Township / Civil Division	TORRINGTON
Census Block Group	1
Census Block	1014
Census Tract	310602

Owner

531 Oxbow Dr is owned by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	145 MEYER RD, TORRINGTON, CT 06790-2804
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jul 25, 2025	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE INC
Nov 9, 2020	Deed of Trust, Mortgage · Line of Credit TORRINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2025 · Amount on File
Deed Sale	Jul 25, 2025 · Amount on File
Prior Sale	Dec 31, 2001 · Amount on File
Deed Document Number	2025502685
Deed Book / Page	1440 / 1147
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TORRINGTON CT
Recording Date	Jul 25, 2025
Property Address	531 OXBOW DR, TORRINGTON, CT 06790-4226
Document Number	01440-1147
Book / Page	1440 / 1147
Instrument Date	Jul 25, 2025
Instrument	2025-502685
Transaction Type	Transfer
Record Updated	Nov 25, 2025

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	145 MEYER RD, TORRINGTON, CT 06790-2804

Mortgage

Document Number	2025502686
Date	Jul 25, 2025
Instrument	2025-502686

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TORRINGTON CT
Property Address	531 OXBOW DR, TORRINGTON, CT 06790-4226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1319-489
Date	Nov 9, 2020
Book Page	1319/489
Instrument	2020-460095

Lender

Name	TORRINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 531 Oxbow Dr was $7,732, 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	$7,732.00 (-12.98%)	$231,070 (-) Land $30,520 Building $200,550	$391,361 (+141.96%)
2025	$8,885.00	$231,070 Land $30,520 Building $200,550	$161,749 Land $21,364 Building $140,385
2024	$8,885.00 (+25.58%)
2023	$7,075.00 (+18.99%)	$147,520 (+16.95%) Land $30,560 Building $116,960
2022	$5,946.00	$126,140 Land $30,560 Building $95,580

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 531 Oxbow Dr.

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 531 Oxbow Dr 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 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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