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190 Charter Oak Drive

Watertown, Connecticut 06795

ACTIVE$695,000

Reduced from $725,000

Beds
4
Baths
4
SqFt
2,528
Acres
1.38
Year Built
1985
Matt Caiola

Matt Caiola

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2-Car Garage1 FireplacePrice Reduced

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
85 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

Median Days on Market

58

35 active listings

Median $ / Sq Ft

$263

35 active listings

Sale-to-List Ratio

100.0%

222 sales

How this home compares

List Price

$695,000

vs $415,000 median

67.5% above median

Price / Sq Ft

$275

vs $263 median

In line with median

Days on Market

85 days

vs 58 days median

27 days longer than median

Based on 35 active and 222 closed sales (trailing 12 mo) of single family in Watertown. Source: SmartMLS · As of September 27, 2026.

Location

190 Charter Oak Drive, Watertown, Connecticut

Property + 12 nearby

Estimate Your Payment

Estimated Monthly Payment

Rates: Freddie Mac PMMS via FRED
$4,768

per month

  • Principal & Interest$3,710
  • Property Taxes$826
  • Insurance$232
  • 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
85
MLS #
24186419
MLS Status
Active
Financing
FHA,VA,CHFA

Similar Properties

Homes with a close match in area, property type, and price.

Listed By

Stephen Briotti

(203) 509-3194

Lamacchia Realty

(203) 879-2339

This information is believed to be accurate, but without warranty.

The IDX display contains information sourced from SmartMLS, Inc. as of 9/27/2026. 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 9/27/2026 at 1:40 AM UTC.