35 Locust St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 35 Locust St, Naugatuck, CT 06770

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,296 sqft · built 1968
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (May 2019)
Tax Bill	$8,988 (2026)
Deeds & Mortgages	May 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:64-10E38`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:64-10E38`
Alternative APNs	`NAUG M:041 L:2200` `AI16 10E38` `041-2200` `41-2200`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,296 sqft Living Area
Gross Area	3,712 sqft
1st Floor Area	1,148 sqft
Basement Area	1,148 sqft
Unfinished Basement	574 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,841 sqft (0.18 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	41-2200
Street Address	35 LOCUST ST
City	NAUGATUCK
State	CT
Zip	06770-3109
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R8
Legal Lot Number	2200
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	1
Census Block	1012
Census Tract	345100

Owner

Source: Naugatuck Borough 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	2 Individual Names on Record
Mailing Address	35 LOCUST ST, NAUGATUCK, CT 06770-3109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
May 24, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage QUONTIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on Record
Deed Sale	May 24, 2019 · Amount on Record
Prior Sale	Jan 29, 2014 · Amount on Record
Deed Book / Page	1027 / 785
Transfer Doc	000953-434
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	35 LOCUST ST, NAUGATUCK, CT 06770-3109
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001073-88
Date	May 13, 2021
Book Page	1073/88
Instrument	2045

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	May 24, 2019
Property Address	35 LOCUST ST, NAUGATUCK, CT 06770-3109
Document Number	1027-785
Book / Page	1027 / 785
Transaction Type	Transfer
Record Updated	May 21, 2021

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

Mortgage

Document Number	1027787
Date	May 24, 2019
Instrument	1027/787

Lender

Name	QUONTIC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$8,988.00 (+1.64%)	$222,250 (-) Land $30,030 Building $192,220	$408,503 (+162.58%)
2025	$8,843.00	$222,250 (-) Land $30,030 Building $192,220	$155,575 Land $21,021 Building $134,554
2024	$8,843.00 (-11.09%)
2023	$9,946.00 (+17.2%)	$222,250 (+25.06%) Land $30,030 Building $192,220
2022	$8,486.00	$177,720 Land $31,750 Building $145,970

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	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	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 413 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust St

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