156 Spencer St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 156 Spencer St, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1954
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$226,600 (Feb 2026)
Tax Bill	$5,203 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:78-37W5-4`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:78-37W5-4`
Alternative APNs	`NAUG M:069 L:7851` `AQ12 37W5 4` `069-7851` `69-7851`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,487 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	69-7851
Street Address	156 SPENCER ST
City	NAUGATUCK
State	CT
Zip	06770-4552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Lot Number	7851
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	2
Census Block	2002
Census Tract	345300

Owner

Source: Naugatuck Borough records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	156 SPENCER ST, NAUGATUCK, CT 06770-4552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	May 2, 1990 · Amount on Record
Deed Document Number	2026572
Deed Book / Page	1177 / 45
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Feb 26, 2026
Property Address	156 SPENCER ST, NAUGATUCK, CT 06770-4552
Document Number	0001177-45
Book / Page	1177 / 45
Instrument Date	Feb 12, 2026
Instrument	2026572
Transaction Type	Transfer
Record Updated	Mar 18, 2026

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	156 SPENCER ST, NAUGATUCK, CT 06770-4552

Mortgage

Document Number	0002026573
Date	Feb 26, 2026
Instrument	2026-573

Lender

Name	PROVINCE MORTGAGE ASSOCIATES INC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Mortgage

Document Number	0001177-65
Date	Feb 26, 2026
Book Page	1177/65
Instrument	2026-574

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

Source: Naugatuck Borough assessment roll, as of June 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
2025	$5,203.00	$130,760 (-) Land $29,680 Building $101,080	$91,532 Land $20,776 Building $70,756
2024	$5,203.00 (-11.09%)
2023	$5,852.00 (+33.64%)	$130,760 (+42.58%) Land $29,680 Building $101,080
2022	$4,379.00	$91,710 Land $31,840 Building $59,870

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 422 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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