259 Spencer St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 259 Spencer St, Naugatuck, CT 06770

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,700 sqft · built 1953
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Jul 2010)
Tax Bill	$5,973 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:52-28.5W2-2`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:52-28.5W2-2`
Alternative APNs	`NAUG M:069 L:6650` `AP12 28.5W2 2` `069-6650` `69-6650`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	4,050 sqft
1st Floor Area	1,700 sqft
Basement Area	1,700 sqft
Unfinished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	69-6650
Street Address	259 SPENCER ST
City	NAUGATUCK
State	CT
Zip	06770-4450
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA1
Legal Lot Number	6650
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	3
Census Block	3004
Census Tract	345300

Owner

259 Spencer St, a duplex, is owned and occupied by an individual who bought it in July 2010.

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

Owner of Record	Individual Name on File
Mailing Address	259 SPENCER ST, NAUGATUCK, CT 06770-4450
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
Apr 1, 2026	Deed of Trust, Mortgage CROSSCOUNTY MORTGAGE INC
Mar 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MANUFACTURERS & TRADERS TRUST CO
Nov 20, 2018	Deed of Trust, Mortgage ION BANK
Nov 20, 2018	Quit Claim Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2010 · Amount on File
Deed Sale	Jul 9, 2010 · Amount on File
Deed Book / Page	871 / 445
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Recording Date	Apr 1, 2026
Property Address	259 SPENCER ST, NAUGATUCK, CT 06770-4450
Document Number	001179-251
Book / Page	1179 / 251
Instrument Date	Mar 31, 2026
Instrument	2026979
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 SPENCER ST, NAUGATUCK, CT 06770-4450

Mortgage

Document Number	0000000979,
Date	Apr 1, 2026
Book Page	1179/251
Instrument	2026979

Lender

Name	CROSSCOUNTY MORTGAGE INC

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	259 SPENCER ST, NAUGATUCK, CT 06770-4450
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001098-362
Date	Mar 21, 2022
Book Page	1098/362
Instrument	2022-1050

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	259 SPENCER ST, NAUGATUCK, CT 06770-4450
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001019-681
Date	Nov 20, 2018
Book Page	1019/681

Lender

Name	ION BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Nov 20, 2018
Property Address	259 SPENCER ST, NAUGATUCK, CT 06770-4450
Document Number	1019-679
Book / Page	001019 / 000679
Instrument Date	Nov 20, 2018
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 SPENCER ST NAUGATUCK CT 067704450, NAUGATUCK, CT 06770-4450

Tax Assessment & Valuation

The 2026 property tax bill for 259 Spencer St was $5,973, 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	$5,973.00 (+1.63%)	$147,700 (-) Land $31,220 Building $116,480	$350,327 (+238.84%)
2025	$5,877.00	$147,700 Land $31,220 Building $116,480	$103,390 Land $21,854 Building $81,536
2024	$5,877.00 (-11.09%)
2023	$6,610.00 (+35.48%)	$147,700 (+44.55%) Land $31,220 Building $116,480
2022	$4,879.00	$102,180 Land $33,500 Building $68,680

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

Flood

FEMA maps place 259 Spencer 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 259 Spencer St is low, with a 0.02% 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	0.02% 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	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 177 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

May also be available: Verizon.

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