39 Cliff St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 39 Cliff St, Naugatuck, CT 06770

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,673 sqft · built 1800
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Jun 2019)
Tax Bill	$5,749 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:7-41W23`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:7-41W23`
Alternative APNs	`NAUG M:040 L:8300` `AM12 41W23` `040-8300` `40-8300`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	1,673 sqft Living Area
Gross Area	3,823 sqft
1st Floor Area	867 sqft
Attic	Attic
Attic Area	575 sqft
Basement Area	575 sqft
Unfinished Basement	575 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	40-8300
Street Address	39 CLIFF ST
City	NAUGATUCK
State	CT
Zip	06770-3905
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R8
Legal Lot Number	8300
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	5
Census Block	5018
Census Tract	345300

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	Individual Name on Record
Mailing Address	39 CLIFF ST, NAUGATUCK, CT 06770-3905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Quit Claim Deed, Transfer · Balloon Mortgage GUARANTEED RATE INC
Jun 12, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Aug 16, 2018	Deed of Trust, Mortgage · Line of Credit SAVINGS BK/DANBURY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2019 · Amount on Record
Deed Sale	Jun 12, 2019 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Book / Page	1028 / 789
Last Transfer Date	Nov 16, 2020
Transfer Doc	1059-416
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Nov 24, 2020
Property Address	39 CLIFF ST, NAUGATUCK, CT 06770-3905
Document Number	1059-416
Book / Page	1059 / 416
Instrument Date	Nov 16, 2020
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1059-418
Date	Nov 24, 2020
Book Page	1059/418

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Jun 12, 2019
Property Address	39 CLIFF ST, NAUGATUCK, CT 06770-3905
Document Number	1028-789
Book / Page	001028 / 000789
Instrument Date	Jun 12, 2019
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 CLIFF ST NAUGATUCK CT 067703905, NAUGATUCK, CT 06770-3905

Mortgage

Document Number	1028-792
Date	Jun 12, 2019
Book Page	001028/000792

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	39 CLIFF ST, NAUGATUCK, CT 06770-3905
Document Number	1015-482
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	39 CLIFF ST NAUGATUCK CT 067703905, NAUGATUCK, CT 06770-3905

Mortgage

Document Number	1015-482
Date	Aug 16, 2018
Book Page	001015/000482

Lender

Name	SAVINGS BK/DANBURY
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

Interest

Rate Type	Adjustable Rate

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	$5,749.00 (+1.63%)	$142,170 (-) Land $30,800 Building $111,370	$342,491 (+244.15%)
2025	$5,657.00	$142,170 (-) Land $30,800 Building $111,370	$99,519 Land $21,560 Building $77,959
2024	$5,657.00 (-11.08%)
2023	$6,362.00 (+36.79%)	$142,170 (+45.95%) Land $30,800 Building $111,370
2022	$4,651.00	$97,410 Land $32,940 Building $64,470

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	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 447 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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