176 Smith St, Derby, CT 06418 Property Records

Derby City property record for 176 Smith St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1928
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Jul 2010)
Tax Bill	$5,210 (2025)
Deeds & Mortgages	May 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`DERB M:9 B:6 L:66`

Property Details

APN / Parcel Number

Primary APN	`DERB M:9 B:6 L:66`
Alternative APNs	`003184` `8984` `3184`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft
Basement Area	852 sqft
Unfinished Basement	852 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3184
Street Address	176 SMITH ST
City	DERBY
State	CT
Zip	06418-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	6
Legal Lot Number	66
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2001
Census Tract	120200

Owner

Source: Derby City records · APN DERB M:9 B:6 L:66

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	176 SMITH ST, DERBY, CT 06418-1243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2010 · Amount on Record
Deed Sale	Jul 01, 2010 · Amount on Record
Deed Book / Page	608 / 182
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	176 SMITH ST, DERBY, CT 06418-1243
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000882-310
Date	May 12, 2022
Book Page	882/310
Instrument	848

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Derby City records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,210.00	$120,610 (-) Land $32,110 Building $88,500	$84,427 Land $22,477 Building $61,950
2024	$5,210.00 (+11.9%)
2023	$4,656.00	$120,610 (-) Land $32,130 Building $88,480
2022	$4,656.00	$120,610 Land $32,130 Building $88,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09009C, as of January 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile USA, Verizon.

Based on FCC filings for 353 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CT0930011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	REGIONAL WATER AUTHORITY serves 418,900 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.