198 Cliff St, Norwich, CT 06360 Property Records

Norwich City property record for 198 Cliff St, Norwich, CT 06360

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,836 sqft · built 1916
Lot Size	0.87 acres (37,897 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Apr 2004)
Tax Bill	$8,169 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`NORW M:94 B:5 L:84`

Property Details

APN / Parcel Number

Primary APN	`NORW M:94 B:5 L:84`
Alternative APNs	`NWCH M:94 B:5 L:84` `0078440001` `78440001`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,836 sqft Living Area
Gross Area	5,482 sqft
1st Floor Area	1,288 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	37,897 sqft (0.87 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	78440001
Street Address	198 CLIFF ST
City	NORWICH
State	CT
Zip	06360
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	MF
Legal Block	5
Legal Lot Number	84
Jurisdiction	NORWICH CT
Township / Civil Division	NORWICH
Census Block Group	1
Census Block	1022
Census Tract	696401

Owner

198 Cliff St, a triplex, is owned by an individual who bought it in April 2004.

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

Owner of Record	Individual Name on File
Mailing Address	1844 STEVENSON AVE, CLEARWATER, FL 33755-1854
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
Sep 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage GRIFFIN FUNDING INC
Jan 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CHELSEA GROTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2004 · Amount on File
Deed Sale	Apr 22, 2004 · Amount on File
Prior Sale	Dec 8, 1997 · Amount on File
Deed Book / Page	1922 / 186
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORWICH CT
Recording Date	Sep 24, 2026
Property Address	198 CLIFF ST, NORWICH, CT 06360
Document Number	0000004309
Book / Page	3605 / 346
Instrument Date	Sep 15, 2026
Instrument	20264309
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004309,
Date	Sep 24, 2026
Book Page	3605/346
Instrument	20264309

Lender

Name	GRIFFIN FUNDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORWICH CT
Property Address	198 CLIFF ST, NORWICH, CT 06360
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00003314-8
Date	Jan 14, 2022
Book Page	3314/8
Instrument	2022000238

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 198 Cliff St was $8,169, down 15.6% from the year before.

Source: Norwich City assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,169.00 (-15.61%)	$239,200 (-) Land $38,400 Building $200,800
2025	$9,680.00	$239,200 Land $38,400 Building $200,800	$167,440 Land $26,880 Building $140,560
2023	$6,182.00 (+0.32%)	$127,100 (-) Land $27,200 Building $99,900
2022	$6,162.00	$127,100 Land $27,200 Building $99,900

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

Flood

FEMA maps place 198 Cliff St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 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 198 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	NORWICH PUBLIC UTILITIES serves 36,163 people · EPA ID CT1040011
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018 Haloacetic acids not recorded as resolved · Feb 2018
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 320 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
Verizon Fixed Wireless	300 / 20

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

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