121 Cliff St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 121 Cliff St, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,476 sqft · built 1896
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Dec 2020)
Tax Bill	$6,703 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:10-44W5`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:10-44W5`
Alternative APNs	`NAUG M:031 L:7100` `AL12 44W5` `031-7100` `31-7100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Gross Area	3,093 sqft
1st Floor Area	810 sqft
Attic	Attic
Attic Area	380 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	31-7100
Street Address	121 CLIFF ST
City	NAUGATUCK
State	CT
Zip	06770-3945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R30
Legal Lot Number	7100
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	1
Census Block	1019
Census Tract	345300

Owner

Source: Naugatuck Borough records, as of October 21, 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	121 CLIFF ST, NAUGATUCK, CT 06770-3945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Dec 29, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
May 11, 2020	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Prior Sale	May 11, 2020 · Amount on Record
Deed Document Number	20204338
Deed Book / Page	1061 / 595
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Recording Date	Sep 30, 2026
Property Address	121 CLIFF ST, NAUGATUCK, CT 06770-3945
Document Number	0000003069
Book / Page	1190 / 688
Instrument Date	Sep 10, 2026
Instrument	20263069
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CLIFF ST, NAUGATUCK, CT 06770-3945

Mortgage

Document Number	0000003069,
Date	Sep 30, 2026
Book Page	1190/688
Instrument	20263069

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2051

Interest

Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Dec 29, 2020
Property Address	121 CLIFF ST, NAUGATUCK, CT 06770-3945
Document Number	1061-595
Book / Page	1061 / 595
Instrument Date	Dec 16, 2020
Instrument	4338
Transaction Type	Transfer
Record Updated	May 21, 2021

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

Mortgage

Document Number	4339
Date	Dec 29, 2020
Instrument	4339

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	May 11, 2020
Property Address	121 CLIFF ST, NAUGATUCK, CT 06770-3945
Document Number	1046-564
Book / Page	001046 / 000564
Instrument Date	Mar 17, 2020
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	121 CLIFF ST NAUGATUCK CT 067703945, NAUGATUCK, CT 06770-3945

Tax Assessment & Valuation

Source: Naugatuck Borough assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,703.00 (+1.62%)	$165,760 (-) Land $24,640 Building $141,120	$322,604 (+178.03%)
2025	$6,596.00	$165,760 (-) Land $24,640 Building $141,120	$116,032 Land $17,248 Building $98,784
2024	$6,596.00 (-11.08%)
2023	$7,418.00 (+27.04%)	$165,760 (+35.55%) Land $24,640 Building $141,120
2022	$5,839.00	$122,290 Land $26,520 Building $95,770

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

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	CTWC - NAUGATUCK REGION-CENTRAL SYSTEM private · serves 22,735 people · EPA ID CT0880011
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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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