10 Spruce St, Norwalk, CT 06850 Property Records

Norwalk City property record for 10 Spruce St, Norwalk, CT 06850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,285 sqft · built 1949
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jan 2016)
Tax Bill	$6,955 (2026)
Deeds & Mortgages	Oct 2021 Refinance Nov 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D:1 B:17 L:152`

Property Details

APN / Parcel Number

Primary APN	`D:1 B:17 L:152`
Alternative APNs	`NORW M:1 B:17 L:152` `NWLK M:1 B:17 L:152` `439`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,285 sqft Living Area
Gross Area	2,766 sqft
1st Floor Area	928 sqft
Basement Area	813 sqft
Unfinished Basement	430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1978
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	439
Street Address	10 SPRUCE ST
City	NORWALK
State	CT
Zip	06850-3635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	17
Legal Lot Number	152
Jurisdiction	NORWALK CT
Township / Civil Division	NORWALK
Census Block Group	2
Census Block	2008
Census Tract	43800

Owner

10 Spruce St is owned and occupied by two individuals who acquired it in November 2025.

Source: Norwalk City records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 SPRUCE ST, NORWALK, CT 06850-3635
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
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Nov 14, 2025	Quit Claim Deed, Transfer · Line of Credit T2 FINANCIAL LLC
Dec 28, 2017	Deed of Trust, Mortgage UNITED BANK
Dec 28, 2017	Quit Claim Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2016 · Amount on File
Deed Sale	Jan 26, 2016 · Amount on File
Prior Sale	Mar 13, 2015
Deed Book / Page	8292 / 275
Last Transfer Date	Nov 6, 2025
Transfer Doc	009941-329
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORWALK CT
Property Address	10 SPRUCE ST, NORWALK, CT 06850-3635
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009358-303
Date	Oct 27, 2021
Book Page	9358/303
Instrument	2021014646

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORWALK CT
Recording Date	Nov 14, 2025
Property Address	10 SPRUCE ST, NORWALK, CT 06850-3635
Document Number	009941-329
Book / Page	9941 / 329
Instrument Date	Nov 6, 2025
Instrument	2025008922
Transaction Type	Transfer
Record Updated	Dec 17, 2025

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
Relationship	Joint Tenants
Address	10 SPRUCE ST, NORWALK, CT 06850-3635

Mortgage

Document Number	2025008923
Date	Nov 14, 2025
Instrument	2025008923

Lender

Name	T2 FINANCIAL LLC

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORWALK CT
Property Address	10 SPRUCE ST, NORWALK, CT 06850-3635
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	008628-148
Date	Dec 28, 2017
Book Page	8628/148

Lender

Name	UNITED BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORWALK CT
Recording Date	Dec 28, 2017
Property Address	10 SPRUCE ST, NORWALK, CT 06850-3635
Document Number	8628-146
Book / Page	008628 / 000146
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SPRUCE ST NORWALK CT 068503635, NORWALK, CT 06850-3635

Tax Assessment & Valuation

The 2026 property tax bill for 10 Spruce St was $6,955, up 1.4% from the year before.

Source: Norwalk City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Norwalk City
Unified School District	Norwalk School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,955.00 (+1.37%)	$286,520 (-) Land $127,490 Building $159,030	$537,315 (+167.9%)
2025	$6,861.00	$286,520 Land $127,490 Building $159,030	$200,564 Land $89,243 Building $111,321
2024	$6,861.00 (+30.69%)
2023	$5,250.00 (+1.9%)	$208,640 (-) Land $100,170 Building $108,470
2022	$5,152.00	$208,640 Land $100,170 Building $108,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

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

The area around 10 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	SOUTH NORWALK ELECTRIC & WATER serves 42,000 people · EPA ID CT1030021
Water Source	Surface water
Last State Inspection	Jun 2024
Also Mapped Here	NORWALK FIRST TAXING DISTRICT
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jan 2019
Monitoring and Reporting	2 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 508 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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