16 Hemlock Rd, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 16 Hemlock Rd, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1985
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Mar 2024)
Tax Bill	$6,035 (2026)
Deeds & Mortgages	Jul 2026 Second Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`002-3971`

Property Details

APN / Parcel Number

Primary APN	`002-3971`
Alternative APNs	`NAUG M:306E-5E413-222` `NAUG M:002 L:3971` `AQ17 5E413 222` `2-3971`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,838 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2-3971
Street Address	16 HEMLOCK RD
City	NAUGATUCK
State	CT
Zip	06770-5219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DD
Legal Lot Number	3971
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	4
Census Block	4003
Census Tract	345201

Owner

Source: Naugatuck Borough 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	Individual Name on Record
Mailing Address	16 HEMLOCK RD, NAUGATUCK, CT 06770-5219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Mar 14, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 14, 2023	Executor's Deed, Transfer · Stand-Alone First Mortgage MANHATTAN BEACH LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2024 · Amount on Record
Deed Sale	Mar 14, 2024 · Amount on Record
Prior Sale	Sep 14, 2023 · Amount on Record
Deed Document Number	2024669
Deed Book / Page	1136 / 503
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Recording Date	Jul 17, 2026
Property Address	16 HEMLOCK RD, NAUGATUCK, CT 06770-5219
Document Number	0000002177
Book / Page	1186 / 41
Instrument Date	Jun 24, 2026
Instrument	20262177
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HEMLOCK RD, NAUGATUCK, CT 06770-5219

Mortgage

Document Number	0000002177,
Date	Jul 17, 2026
Book Page	1186/41
Instrument	20262177

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Aug 1, 2054

Interest

Rate	6.53%
Max Rate	-1%

March 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Mar 14, 2024
Property Address	16 HEMLOCK RD, NAUGATUCK, CT 06770-5219
Document Number	001136-503
Book / Page	1136 / 503
Instrument Date	Mar 13, 2024
Instrument	2024669
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 28, 2024

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	16 HEMLOCK RD, NAUGATUCK, CT 06770-5219

Mortgage

Document Number	0002024670
Date	Mar 14, 2024
Instrument	2024-670

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	001136-521
Date	Mar 14, 2024
Book Page	1136/521
Instrument	2024-671

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

September 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Sep 14, 2023
Property Address	16 HEMLOCK RD, NAUGATUCK, CT 06770-5219
Document Number	001127-876
Book / Page	1127 / 876
Instrument Date	Sep 12, 2023
Instrument	20232690
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 HEMLOCK RD, NAUGATUCK, CT 06770-5219

Mortgage

Document Number	0020232691
Date	Sep 14, 2023
Instrument	2023-2691

Lender

Name	MANHATTAN BEACH LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,035.00 (+1.63%)	$149,240 (-) Land $35,000 Building $114,240	$286,796 (+174.53%)
2025	$5,938.00	$149,240 (-) Land $35,000 Building $114,240	$104,468 Land $24,500 Building $79,968
2024	$5,938.00 (-11.08%)
2023	$6,678.00 (+43.18%)	$149,240 (+52.8%) Land $35,000 Building $114,240
2022	$4,664.00	$97,670 Land $36,900 Building $60,770

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	Direct burnable vegetation

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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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