120 Smith St, Derby, CT 06418 Property Records

Derby City property record for 120 Smith St, Derby, CT 06418

Property Summary

Property Type	Duplex
Details	5 bd · 1 ba · 1,288 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Apr 2026)
Tax Bill	$5,675 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:9 B:4 L:93`

Property Details

APN / Parcel Number

Primary APN	`DERB M:9 B:4 L:93`
Alternative APNs	`001303` `7159` `1303`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	694 sqft
Unfinished Basement	694 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1980
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1303
Street Address	120 SMITH ST
City	DERBY
State	CT
Zip	06418-1243
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-5
Legal Block	4
Legal Lot Number	93
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2001
Census Tract	120200

Owner

Source: Derby City 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	24 ELM ST, SHELTON, CT 06484-3009
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSS COUNTRY FSB
Nov 21, 2025	Warranty Deed, Transfer COMMERCIAL LENDER LLC
Jun 22, 2022	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Nov 21, 2025 · Amount on Record
Deed Document Number	2026408
Deed Book / Page	968 / 47
Transfer Doc	0724000304
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Apr 22, 2026
Property Address	120 SMITH ST, DERBY, CT 06418-1243
Document Number	0000968-47
Book / Page	968 / 47
Instrument Date	Apr 14, 2026
Instrument	2026408
Transaction Type	Transfer
Record Updated	Jul 6, 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
Address	24 ELM ST, SHELTON, CT 06484-3009
Investor	Possibly a Property Investor

Mortgage

Date	Apr 22, 2026

Lender

Name	CROSS COUNTRY FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Nov 21, 2025
Property Address	120 SMITH ST, DERBY, CT 06418-1243
Document Number	000959-310
Book / Page	959 / 310
Instrument Date	Nov 18, 2025
Instrument	1399
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount Recorded
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
Address	2 CORPORATE DR, SHELTON, CT 06484-6238

Mortgage

Document Number	0000001400
Date	Nov 21, 2025
Instrument	1400

Lender

Name	COMMERCIAL LENDER LLC

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2026

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Jun 22, 2022
Property Address	120 SMITH ST, DERBY, CT 06418-1243
Document Number	000886-169
Book / Page	886 / 169
Instrument Date	Jun 17, 2022
Instrument	1101
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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
Address	72 NORTH ST, SEYMOUR, CT 06483-2912
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001102
Date	Jun 22, 2022
Instrument	1102

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Derby City assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,675.00 (+3.75%)	$147,630 (+16.58%) Land $31,220 Building $116,410	$375,198 (+323.28%)
2025	$5,470.00	$126,630 (-) Land $28,030 Building $98,600	$88,641 Land $19,621 Building $69,020
2024	$5,470.00 (+11.91%)
2023	$4,888.00	$126,630 (-) Land $28,000 Building $98,630
2022	$4,888.00	$126,630 Land $28,000 Building $98,630

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	None beyond 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	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 353 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

May also be available: AT&T, T-Mobile, Verizon.

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