39 Harlow Ct, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 39 Harlow Ct, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1988
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Aug 2026)
Tax Bill	$6,989 (2026)
Deeds & Mortgages	Aug 2026 Sale & Line of Credit Jun 2024 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`025-5206`

Property Details

APN / Parcel Number

Primary APN	`025-5206`
Alternative APNs	`NAUG M:377-17W22-7` `NAUG M:025 L:5206` `AJ08 17W22 7` `25-5206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	2,417 sqft
1st Floor Area	1,170 sqft
Basement Area	1,127 sqft
Unfinished Basement	345 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	25-5206
Street Address	39 HARLOW CT
City	NAUGATUCK
State	CT
Zip	06770-2344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Lot Number	5206
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	6
Census Block	6010
Census Tract	345400

Owner

39 Harlow Ct is owned and occupied by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	39 HARLOW CT, NAUGATUCK, CT 06770-2344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 3, 2026	Warranty Deed, Transfer · Line of Credit
Jun 17, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FD COMMUNITY FEDERAL CREDIT UNION
Mar 22, 2021	Deed of Trust, Mortgage · Balloon Mortgage NEWREZ LLC
Jan 11, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Jan 11, 2022 · Amount on File
Deed Book / Page	1187 / 249
Transfer Doc	0497000056
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Aug 3, 2026
Property Address	39 HARLOW CT, NAUGATUCK, CT 06770-2344
Document Number	0000002386
Book / Page	1187 / 249
Instrument Date	Jul 23, 2026
Instrument	20262386
Transaction Type	Transfer
Record Updated	Sep 25, 2026

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	39 HARLOW CT, NAUGATUCK, CT 06770-2344

Mortgage

Date	Aug 3, 2026

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	39 HARLOW CT, NAUGATUCK, CT 06770-2344
Transaction Type	Mortgage
Record Updated	Jul 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001140-654
Date	Jun 17, 2024
Book Page	1140/654
Instrument	2024-1541

Lender

Name	FD COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2034

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	39 HARLOW CT, NAUGATUCK, CT 06770-2344
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001067-878
Date	Mar 22, 2021
Book Page	1067/878
Instrument	1120

Lender

Name	NEWREZ LLC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Jan 11, 2022
Property Address	39 HARLOW CT, NAUGATUCK, CT 06770-2344
Document Number	001093-603
Book / Page	1093 / 603
Instrument Date	Dec 15, 2021
Instrument	101
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount 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
Address	1 DWIGHT ST, WATERBURY, CT 06710-1006

Tax Assessment & Valuation

The 2026 property tax bill for 39 Harlow Ct was $6,989, down 1.2% 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	$6,989.00 (-1.24%)	$172,830 (-2.83%) Land $29,610 Building $143,220	$363,401 (+191.87%)
2025	$7,077.00	$177,870 Land $29,610 Building $148,260	$124,509 Land $20,727 Building $103,782
2024	$7,077.00 (-11.09%)
2023	$7,960.00 (+29.64%)	$177,870 (+38.32%) Land $29,610 Building $148,260
2022	$6,140.00	$128,590 Land $31,360 Building $97,230

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 39 Harlow Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 39 Harlow Ct 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	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 98 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

May also be available: GoNetspeed, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harlow Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures