Naugatuck Borough property record for 3 Michelle Ln, Naugatuck, CT 06770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,288 sqft · built 1995 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (Jul 2024) |
| Tax Bill | $7,496 (2026) |
| Deeds & Mortgages | Jul 2024 Sale & Mortgage Jan 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-7506 |
| Primary APN | 013-7506 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| Gross Area | 2,652 sqft |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 13-7506 |
|---|---|
| Street Address | 3 MICHELLE LN |
| City | NAUGATUCK |
| State | CT |
| Zip | 06770-2151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 7506 |
| Jurisdiction | NAUGATUCK CT |
| Township / Civil Division | NAUGATUCK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 345100 |
3 Michelle Ln is owned and occupied by an individual who bought it in July 2024.
Source: Naugatuck Borough records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 MICHELLE LN, NAUGATUCK, CT 06770-2151 |
| 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.
| Date | Document |
|---|---|
| Jul 16, 2024 | Deed, Transfer · Stand-Alone First Mortgage T2 FINANCIAL LLC |
| Jan 30, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2024 · Amount on File |
| Deed Sale | Jul 16, 2024 · Amount on File |
| Prior Sale | May 16, 2003 · Amount on File |
| Deed Document Number | 20241843 |
| Deed Book / Page | 1142 / 325 |
| Prior Transfer Date | Dec 22, 2022 |
| Prior Transfer Doc | 001116-901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NAUGATUCK CT |
| Recording Date | Jul 16, 2024 |
| Property Address | 3 MICHELLE LN, NAUGATUCK, CT 06770-2151 |
| Document Number | 001142-325 |
| Book / Page | 1142 / 325 |
| Instrument Date | Jul 12, 2024 |
| Instrument | 20241843 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1419 W BROAD ST, STRATFORD, CT 06615-5765 |
| Document Number | 0020241844 |
|---|---|
| Date | Jul 16, 2024 |
| Instrument | 2024-1844 |
| Name | T2 FINANCIAL LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 001142-345 |
|---|---|
| Date | Jul 16, 2024 |
| Book Page | 1142/345 |
| Instrument | 2024-1845 |
| Name | CONNECTICUT HOUSING FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NAUGATUCK CT |
| Recording Date | Jan 30, 2023 |
| Property Address | 3 MICHELLE LN, NAUGATUCK, CT 06770-2151 |
| Document Number | 001116-901 |
| Book / Page | 1116 / 901 |
| Instrument Date | Dec 22, 2022 |
| Instrument | 2023333 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 MICHELLE LN, NAUGATUCK, CT 06770-2151 |
The 2026 property tax bill for 3 Michelle Ln was $7,496, up 1.6% from the year before.
Source: Naugatuck Borough assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision / Municipality | Naugatuck Borough |
| Unified School District | Naugatuck School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,496.00 (+1.64%) | $185,360 (-) Land $32,060 Building $153,300 | $364,746 (+181.11%) |
| 2025 | $7,375.00 | $185,360 Land $32,060 Building $153,300 | $129,752 Land $22,442 Building $107,310 |
| 2024 | $7,375.00 (-11.09%) | ||
| 2023 | $8,295.00 (+22.18%) | $185,360 (+30.37%) Land $32,060 Building $153,300 | |
| 2022 | $6,789.00 | $142,180 Land $35,540 Building $106,640 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3 Michelle Ln 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 risk around 3 Michelle Ln 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 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 |
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