194 Smith St, Derby, CT 06418 Property Records

Derby City property record for 194 Smith St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,939 sqft · built 1956
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Dec 2025)
Tax Bill	$6,517 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DERB M:9 B:6 L:71`

Property Details

APN / Parcel Number

Primary APN	`DERB M:9 B:6 L:71`
Alternative APNs	`001809` `7681` `1809`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,939 sqft Living Area
1st Floor Area	1,939 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1809
Street Address	194 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	71
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2001
Census Tract	120200

Owner

Source: Derby City records, as of June 25, 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	194 SMITH ST, DERBY, CT 06418-1243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 15, 2025	Warranty Deed, Transfer · FHA Mortgage BOND STREET MORTGAGE LLC
Jul 31, 2025	Warranty Deed, Transfer NATL LOAN FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Jul 31, 2025 · Amount on Record
Deed Document Number	20251459
Deed Book / Page	960 / 241
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	194 SMITH ST, DERBY, CT 06418-1243
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000906-132
Date	Jun 20, 2023
Book Page	906/132
Instrument	2811

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	253 Months
Due	Jul 1, 2044

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Dec 15, 2025
Property Address	194 SMITH ST, DERBY, CT 06418-1243
Document Number	000960-241
Book / Page	960 / 241
Instrument Date	Dec 10, 2025
Instrument	1459
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
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
Address	194 SMITH ST, DERBY, CT 06418-1243

Mortgage

Document Number	0000001460
Date	Dec 15, 2025
Instrument	1460

Lender

Name	BOND STREET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERBY CT
Recording Date	Jul 31, 2025
Property Address	194 SMITH ST, DERBY, CT 06418-1243
Document Number	000952-120
Book / Page	952 / 120
Instrument Date	Jul 30, 2025
Instrument	889
Transaction Type	Transfer
Record Updated	Nov 25, 2025

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

Mortgage

Document Number	0000000890
Date	Jul 31, 2025
Instrument	890

Lender

Name	NATL LOAN FUNDING LLC

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2026

Tax Assessment & Valuation

Source: Derby City assessment roll, as of June 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
2025	$6,517.00	$150,850 (-) Land $32,150 Building $118,700	$105,595 Land $22,505 Building $83,090
2024	$6,517.00 (+11.92%)
2023	$5,823.00	$150,850 (-) Land $32,130 Building $118,720
2022	$5,823.00	$150,850 Land $32,130 Building $118,720

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	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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