173 Cliff St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 173 Cliff St, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1890
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Feb 2021)
Tax Bill	$4,852 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:10-45W10`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:10-45W10`
Alternative APNs	`NAUG M:031 L:7300` `AL12 45W10` `031-7300` `31-7300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,316 sqft Living Area
Gross Area	2,414 sqft
1st Floor Area	651 sqft
Basement Area	651 sqft
Unfinished Basement	651 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	31-7300
Street Address	173 CLIFF ST
City	NAUGATUCK
State	CT
Zip	06770-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R30
Legal Lot Number	7300
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	1
Census Block	1020
Census Tract	345300

Owner

173 Cliff St is owned and occupied by an individual who bought it in February 2021.

Source: Naugatuck Borough records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	173 CLIFF ST, NAUGATUCK, CT 06770-3946
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 16, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 16, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2021 · Amount on File
Deed Sale	Feb 16, 2021 · Amount on File
Prior Sale	Dec 5, 2014 · Amount on File
Deed Document Number	2021699
Deed Book / Page	1065 / 746
Transfer Doc	000945-441
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	173 CLIFF ST, NAUGATUCK, CT 06770-3946
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001107-623
Date	Aug 16, 2022
Book Page	1107/623
Instrument	2022-2948

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Feb 16, 2021
Property Address	173 CLIFF ST, NAUGATUCK, CT 06770-3946
Document Number	001065-746
Book / Page	1065 / 746
Instrument Date	Feb 10, 2021
Instrument	699
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount on Record
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

Mortgage

Document Number	0000000700
Date	Feb 16, 2021
Instrument	700

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 173 Cliff St was $4,852, up 1.6% from the year before.

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	$4,852.00 (+1.63%)	$119,980 (-) Land $25,060 Building $94,920	$273,610 (+225.78%)
2025	$4,774.00	$119,980 Land $25,060 Building $94,920	$83,986 Land $17,542 Building $66,444
2024	$4,774.00 (-11.08%)
2023	$5,369.00 (+13.53%)	$119,980 (+21.14%) Land $25,060 Building $94,920
2022	$4,729.00	$99,040 Land $26,910 Building $72,130

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

Flood

FEMA maps place 173 Cliff 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 173 Cliff 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	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

Nearby Properties on Cliff St

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