190 Smith St, Derby, CT 06418 Property Records

Derby City property record for 190 Smith St, Derby, CT 06418

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,142 sqft · built 1923
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Last Sale	$157,000 (May 2017)
Tax Bill	$8,866 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:9 B:6 L:70`

Property Details

APN / Parcel Number

Primary APN	`DERB M:9 B:6 L:70`
Alternative APNs	`000241` `6118` `241`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,142 sqft Living Area
1st Floor Area	2,142 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
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	241
Street Address	190 SMITH ST
City	DERBY
State	CT
Zip	06418-1243
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-5
Legal Subdivision	FOOTE HILL ROAD
Legal Block	6
Legal Lot Number	70
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2001
Census Tract	120200

Owner

Source: Derby City 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	Company Name on Record
Mailing Address	58 AMITY RD, BETHANY, CT 06524-3402
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage M & T BANK
Oct 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ALAN MONELLI
May 12, 2017	Warranty Deed, Transfer · Conventional Mortgage NANCY ONELLI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2017 · Amount on Record
Deed Sale	May 12, 2017 · Amount on Record
Prior Sale	Jun 9, 2000 · Amount on Record
Deed Book / Page	755 / 276
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	190 SMITH ST, DERBY, CT 06418-1243
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000958-286
Date	Nov 10, 2025
Book Page	958/286
Instrument	1335

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	190 SMITH ST, DERBY, CT 06418-1243
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000913-74
Date	Oct 17, 2023
Book Page	913/74
Instrument	3308

Lender

Name	ALAN MONELLI

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2028

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	May 12, 2017
Property Address	190 SMITH ST, DERBY, CT 06418-1243
Document Number	755-276
Book / Page	000755 / 000276
Transaction Type	Transfer
Record Updated	Jun 8, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	755-278
Date	May 12, 2017
Book Page	000755/000278

Lender

Name	NANCY ONELLI

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 11, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,866.00 (+82.32%)	$230,650 (+104.91%) Land $31,780 Building $198,870	$409,300 (+419.47%)
2025	$4,863.00	$112,560 (-) Land $32,160 Building $80,400	$78,792 Land $22,512 Building $56,280
2024	$4,863.00 (+11.92%)
2023	$4,345.00	$112,560 (-) Land $32,130 Building $80,430
2022	$4,345.00	$112,560 Land $32,130 Building $80,430

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

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	REGIONAL WATER AUTHORITY serves 418,900 people · EPA ID CT0930011
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 353 locations within half a mile, as of December 31, 2025

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

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

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