54 Carmel St, Hamden, CT 06518 Property Records

Hamden Town property record for 54 Carmel St, Hamden, CT 06518

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,676 sqft · built 1935
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Sep 2025)
Tax Bill	$15,948 (2026)
Deeds & Mortgages	Sep 2025 Sale & Line of Credit Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HAMD M:2831 B:157 L:00-0000`

Property Details

APN / Parcel Number

Primary APN	`HAMD M:2831 B:157 L:00-0000`
Alternative APN	`M:2831 B:157 L:00=0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,676 sqft Living Area
Gross Area	4,572 sqft
1st Floor Area	1,384 sqft
Basement Area	856 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	54 CARMEL ST
City	HAMDEN
State	CT
Zip	06518-2906
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	157
Legal Lot Number	0000
Jurisdiction	HAMDEN CT
Township / Civil Division	HAMDEN
Census Block Group	2
Census Block	2016
Census Tract	166002

Owner

Source: Hamden Town records, as of October 20, 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	54 CARMEL ST, HAMDEN, CT 06518-2906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Warranty Deed, Transfer · Line of Credit CMG MORTGAGE INC
Feb 7, 2023	Warranty Deed, Transfer
Aug 5, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Feb 7, 2023 · Amount on Record
Deed Document Number	20254955
Deed Book / Page	5306 / 220
Prior Transfer Date	Jul 21, 2021
Prior Transfer Doc	004871-126
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMDEN CT
Recording Date	Sep 29, 2025
Property Address	54 CARMEL ST, HAMDEN, CT 06518-2906
Document Number	005306-220
Book / Page	5306 / 220
Instrument Date	Sep 24, 2025
Instrument	2025-04955
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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
Relationship	Joint Tenants

Mortgage

Document Number	0202504956
Date	Sep 29, 2025
Instrument	2025-04956

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	005306-246
Date	Sep 29, 2025
Book Page	5306/246
Instrument	2025-04957

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2035

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMDEN CT
Recording Date	Feb 7, 2023
Property Address	54 CARMEL ST, HAMDEN, CT 06518-2906
Document Number	0005058-31
Book / Page	5058 / 31
Instrument Date	Feb 2, 2023
Instrument	673
Transaction Type	Transfer
Record Updated	Jul 18, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMDEN CT
Recording Date	Aug 5, 2021
Property Address	54 CARMEL ST, HAMDEN, CT 06518-2906
Document Number	004871-126
Book / Page	4871 / 126
Instrument Date	Jul 21, 2021
Instrument	6256
Transaction Type	Transfer
Record Updated	Jul 18, 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

Tax Assessment & Valuation

Source: Hamden Town assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,948.00 (+3.45%)	$297,150 (-) Land $64,960 Building $232,190	$475,124 (+128.42%)
2025		$297,150 (+59.47%) Land $64,960 Building $232,190	$208,005 Land $45,472 Building $162,533
2024	$15,416.00 (+48.77%)	$186,340 (-) Land $44,800 Building $141,540
2023	$10,362.00	$186,340 Land $44,800 Building $141,540

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 January 25, 2026

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 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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026) 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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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