95 Carmel St, Hamden, CT 06518 Property Records

Hamden Town property record for 95 Carmel St, Hamden, CT 06518

Property Summary

Property Type	Duplex
Details	3 bd · 1.5 ba · 1,287 sqft · built 1949
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Sep 2026)
Tax Bill	$12,330 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`HAMD M:2831 B:055 L:00-0000`

Property Details

APN / Parcel Number

Primary APN	`HAMD M:2831 B:055 L:00-0000`
Alternative APN	`M:2831 B:055 L:00=0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,287 sqft Living Area
Gross Area	3,261 sqft
1st Floor Area	1,450 sqft
Basement Area	858 sqft
Unfinished Basement	858 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	95 CARMEL ST
City	HAMDEN
State	CT
Zip	06518-2922
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	55
Legal Lot Number	0000
Jurisdiction	HAMDEN CT
Township / Civil Division	HAMDEN
Census Block Group	2
Census Block	2009
Census Tract	166002

Owner

95 Carmel St, a duplex, is owned and occupied by two individuals who bought it in September 2026.

Source: Hamden Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	95 CARMEL ST, HAMDEN, CT 06518-2922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 11, 2026	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Aug 28, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Aug 28, 2024 · Amount on File
Deed Document Number	20265354
Deed Book / Page	5406 / 49
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMDEN CT
Recording Date	Sep 11, 2026
Property Address	95 CARMEL ST, HAMDEN, CT 06518-2922
Document Number	0000005354
Book / Page	5406 / 49
Instrument Date	Aug 31, 2026
Instrument	20265354
Transaction Type	Transfer
Record Updated	Sep 30, 2026

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
Address	95 CARMEL ST, HAMDEN, CT 06518-2922

Mortgage

Date	Sep 11, 2026

Lender

Name	USAA FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMDEN CT
Recording Date	Aug 28, 2024
Property Address	95 CARMEL ST, HAMDEN, CT 06518-2922
Document Number	005204-268
Book / Page	5204 / 268
Instrument Date	Aug 23, 2024
Instrument	4478
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Amount	Amount 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

Tax Assessment & Valuation

The 2026 property tax bill for 95 Carmel St was $12,330.

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	$12,330.00	$229,740 (-) Land $66,080 Building $163,660	$371,797 (+131.19%)
2025		$229,740 (+40.8%) Land $66,080 Building $163,660	$160,818 Land $46,256 Building $114,562
2024	$11,919.00 (+31.35%)	$163,170 (-) Land $45,570 Building $117,600
2023	$9,074.00	$163,170 Land $45,570 Building $117,600

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 maps place 95 Carmel St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 95 Carmel 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	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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