38 Smith St, Derby, CT 06418 Property Records

Derby City property record for 38 Smith St, Derby, CT 06418

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,449 sqft · built 1895
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Apr 1994)
Tax Bill	$9,111 (2026)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DERB M:9 B:4 L:156`

Property Details

APN / Parcel Number

Primary APN	`DERB M:9 B:4 L:156`
Alternative APNs	`002199` `8036` `2199`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,449 sqft Living Area
1st Floor Area	1,449 sqft
Basement Area	897 sqft
Unfinished Basement	647 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
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	2199
Street Address	38 SMITH ST
City	DERBY
State	CT
Zip	06418-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	4
Legal Lot Number	156
Jurisdiction	DERBY CT
Township / Civil Division	DERBY
Census Block Group	2
Census Block	2015
Census Tract	120200

Owner

Source: Derby City 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	Individual Name on Record
Mailing Address	38 SMITH ST, DERBY, CT 06418-1216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 1994 · Amount on Record
Deed Sale	Apr 11, 1994 · Amount on Record
Deed Book / Page	245 / 563
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERBY CT
Property Address	38 SMITH ST, DERBY, CT 06418-1216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	793-311
Date	Mar 22, 2019
Book Page	793/311

Lender

Name	SIKORSKY FINANCIAL CREDIT UNION INC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Derby City assessment roll, as of September 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
2026	$9,111.00 (+65.62%)	$237,020 (+86.15%) Land $32,060 Building $204,960	$330,235 (+270.51%)
2025	$5,501.00	$127,330 (-) Land $32,830 Building $94,500	$89,131 Land $22,981 Building $66,150
2024	$5,501.00 (+11.92%)
2023	$4,915.00	$127,330 (-) Land $32,760 Building $94,570
2022	$4,915.00	$127,330 Land $32,760 Building $94,570

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	None beyond ember reach

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 499 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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