1649 E Main St, Waterbury, CT 06705 Property Records

Waterbury City property record for 1649 E Main St, Waterbury, CT 06705

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5,568 sqft · built 1928
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on File
Last Sale	$190,000 (Mar 2004)
Tax Bill	$11,465 (2026)
Deeds & Mortgages	Jul 2023 Refinance Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`37301060018`

Property Details

APN / Parcel Number

Primary APN	`37301060018`
Alternative APNs	`WATE M:0373 B:0106 L:0018` `WBRY M:0373 B:0106 L:0018`

Interior

Units	42 Units
Stories	3 Stories
Building Area	5,568 sqft Total Area
Basement Area	1,800 sqft
Unfinished Basement	1,800 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	37301060018
Street Address	1649 E MAIN ST
City	WATERBURY
State	CT
Zip	06705-1078
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	CG
Legal Block	106
Legal Lot Number	18
Jurisdiction	WATERBURY CT
Township / Civil Division	WATERBURY
Census Block Group	3
Census Block	3013
Census Tract	351300

Owner

1649 E Main St, a commercial property, is owned by a company that bought it in March 2004.

Source: Waterbury City records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	368 NEW HEMPSTEAD RD, 354, NEW CITY, NY 10956-1900
Owner Type	Company
Vesting	Company

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
Jul 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance RFLF 7 LLC
Feb 2, 2023	Warranty Deed, Transfer · Commercial Mortgage FIRSTLOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2004 · Amount on File
Deed Sale	Mar 9, 2004 · Amount on File
Prior Sale	Mar 10, 1992 · Amount on File
Deed Book / Page	4919 / 261
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERBURY CT
Property Address	1649 E MAIN ST, WATERBURY, CT 06705-1078
Transaction Type	Mortgage
Record Updated	Nov 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008737-180
Date	Jul 24, 2023
Book Page	8737/180
Instrument	2023-15166

Lender

Name	RFLF 7 LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	85 Months
Due	Aug 1, 2030

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERBURY CT
Recording Date	Feb 2, 2023
Property Address	1649 E MAIN ST, WATERBURY, CT 06705-1078
Document Number	0008638-32
Book / Page	8638 / 32
Instrument Date	Dec 28, 2022
Instrument	202301105
Transaction Type	Transfer
Record Updated	Jul 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 ROUTE 45 # 109B, 109B, POMONA, NY 10970-3521

Mortgage

Document Number	0202301106
Date	Feb 2, 2023
Instrument	2023-01106

Lender

Name	FIRSTLOANS INC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Mar 1, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 1649 E Main St was $11,465.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,465.00	$264,530 (-) Land $24,640 Building $239,890
2025		$264,530 Land $24,640 Building $239,890	$377,900 Land $35,200 Building $342,700
2024	$11,899.00 (-16.99%)
2023	$14,335.00	$264,530 Land $24,640 Building $239,890

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

Flood

FEMA maps place 1649 E Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1649 E Main St is low, with a 0.01% annual chance of 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	WATERBURY WATER DEPARTMENT serves 107,271 people · EPA ID CT1510011
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 454 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.

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