190 Charter Oak Drive
Watertown, Connecticut 06795
- Beds
- 4
- Baths
- 4
- SqFt
- 2,528
- Acres
- 1.38
- Year Built
- 1985
- Neighborhood
- Taft School
- Property Type
- Single Family

Matt Caiola
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About This Home
Hard to find 1st floor 3 room in-law setup in this 9 room custom built brick split level home on a private and level 1.38 acre lot in a quiet Guernseytown subdivision minutes from town and hand-crafted in 1985 by a builder who intended it to outlast other homes. There is a total of 4 bedrooms and 4 full bathrooms in this unique European style multi level home with an attached 2 car oversize garage, a covered front porch with a balcony above off the 2nd floor and a fabulous rear covered patio all done with a level of architectural detail and craftsmanship that the current market simply does not produce. The main level is organized for real life; a living room with a fireplace, a large dining room with a slider to the patio, a full bathroom, and an eat-in kitchen generous in every dimension with loads of cabinets and counter space & GE Profile appliances. The upper level has 3 good size bedrooms and 2 full bathrooms, one with a steam shower. The ground level 3 room in-law is a proper, fully realized suite - built into the home from the beginning, designed to be lived in with dignity and independence with a full kitchen with appliances and garage access. There is a full basement under the main house for plenty of storage area with an unheated finished rec room. Other amenities include underground utilities, 2 split air conditioning units, an automatic Generac generator, a Vigilant cast-iron stove in the foyer, custom brick work making this an inviting and carefree residence.
Key Facts
- City/Town
- Watertown
- Neighborhood
- Taft School
- Property / Style
- Single Family · Split Level
- Year Built
- 1985
- Days on Market
- 25 days
- Beds
- 4
- Baths
- 4 full
- Living Area
- 2,528 sq ft
- Lot Size
- 1.38 acres
- Garage / Parking
- 2 garage · 6 total
- Property Taxes
- $9,906 / Annually
Market Snapshot
The Watertown Market
Single Family · trailing 12 months
Active Listings
29
44 under contract
Median List Price
$429,999
29 active listings
Median Closed Price
$385,000
207 sales
Median Days on Market
45
29 active listings
Median $ / Sq Ft
$257
29 active listings
Sale-to-List Ratio
100.0%
207 sales
How this home compares
List Price
$725,000
vs $429,999 median
68.6% above median
Price / Sq Ft
$287
vs $257 median
11.7% above median
Days on Market
25 days
vs 45 days median
20 days fresher than median
Based on 29 active and 207 closed sales (trailing 12 mo) of single family in Watertown. Source: SmartMLS · As of July 28, 2026.
Location
190 Charter Oak Drive, Watertown, Connecticut
Estimate Your Payment
Estimated Monthly Payment
Rates: Freddie Mac PMMS via FRED · Updated Jul 23, 2026per month
- Principal & Interest$3,697
- Property Taxes$826
- Insurance$242
- HOA$0
Estimates only. Actual rates, taxes, insurance, and HOA fees vary. Consult a lender for current rates.
Location
- City/Town
- Watertown
- Neighborhood
- Taft School
- County
- Litchfield
Residence
- Property Type
- Single Family
- Style
- Split Level
- Year Built
- 1985
- New Construction
- No/Resale
- Living Area
- 2,528 sq ft
Schools
- Elementary
- Per Board of Ed
- High
- Watertown
Interior
- Heating
- Hot Water
- Heat Fuel
- Oil
- Cooling
- DuctlessSplit System
- Fireplaces
- 1
- Laundry
- Main Level
- Laundry Location
- off foyer
- Appliances
- Electric RangeOven/RangeRefrigeratorDishwasher
- Basement
- FullUnfinished
- In-Law Apartment
- YesFirst Floor
- Interior Features
- Sauna
Exterior & Lot
- Lot Size
- 1.38 acres
- Zoning
- R70
- Garage / Parking
- 2 garage spaces6 total parking spacesAttached GarageDrivewayPaved
- Waterfront Details
- Not Applicable
- Water Source
- Private Well
- Sewer
- Septic
- Construction
- Brick
- Color
- Brick
- Roof
- Asphalt Shingle
- Foundation
- BlockConcrete
- Exterior Features
- BalconyUnderground UtilitiesPorchLightingPatio
- Lot Description
- In SubdivisionLevel LotOpen Lot
Listing & Financials
- Property Taxes
- $9,906 / Annually
- Days on Market
- 25
- MLS #
- 24186419
- MLS Status
- Active
- Financing
- FHA,VA,CHFA
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This information is believed to be accurate, but without warranty.
The IDX display contains information sourced from SmartMLS, Inc. as of 7/28/2026. This information is provided for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing or leasing. Data is deemed reliable but is not guaranteed accurate by the MLS, the listing broker, the listing agent, or Matt Caiola. Buyers and tenants should independently verify all information that matters to their decision.
Map locations may be approximate. Any offer of compensation, if applicable, is made only to participants of the MLS where the listing is filed. ©2026 Smart MLS, Inc. All rights reserved.
Data last updated on 7/28/2026 at 5:20 AM UTC.