41 Joy Rd, Waterbury, CT 06708 Property Records

Waterbury City property record for 41 Joy Rd, Waterbury, CT 06708

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,812 sqft · built 1949
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Jul 2019)
Tax Bill	$7,627 (2026)
Deeds & Mortgages	Aug 2022 Refinance Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28904400033`

Property Details

APN / Parcel Number

Primary APN	`28904400033`
Alternative APNs	`WATE M:0289 B:0440 L:0033` `WBRY M:0289 B:0440 L:0033`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,812 sqft Living Area
Basement Area	1,155 sqft
Unfinished Basement	655 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	28904400033
Street Address	41 JOY RD
City	WATERBURY
State	CT
Zip	06708-2403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Block	440
Legal Lot Number	33
Jurisdiction	WATERBURY CT
Township / Civil Division	WATERBURY
Census Block Group	3
Census Block	3012
Census Tract	351800

Owner

41 Joy Rd is owned and occupied by an individual who bought it in July 2019.

Source: Waterbury City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	41 JOY RD, WATERBURY, CT 06708-2403
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Jul 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2019 · Amount on File
Deed Sale	Jul 25, 2019 · Amount on File
Prior Sale	Dec 29, 2016 · Amount on File
Deed Book / Page	7959 / 170
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERBURY CT
Property Address	41 JOY RD, WATERBURY, CT 06708-2403
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008551-66
Date	Aug 10, 2022
Book Page	8551/66
Instrument	2022-16580

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERBURY CT
Recording Date	Jul 25, 2019
Property Address	41 JOY RD, WATERBURY, CT 06708-2403
Document Number	7959-170
Book / Page	7959 / 170
Instrument Date	Jul 24, 2019
Transaction Type	Transfer
Record Updated	May 21, 2021

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

Mortgage

Document Number	7959172
Date	Jul 25, 2019
Instrument	7959/172

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 41 Joy Rd was $7,627.

Source: Waterbury City assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Waterbury City
Unified School District	Waterbury School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,627.00	$175,980 (-) Land $17,010 Building $158,970	$338,112 (+174.47%)
2025		$175,980 Land $17,010 Building $158,970	$123,186 Land $11,907 Building $111,279
2024	$7,916.00 (-16.99%)
2023	$9,536.00	$175,980 Land $17,010 Building $158,970

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 41 Joy Rd 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

Wildfire risk around 41 Joy Rd is low, with less than 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 96% of the US · lower than 94% of Connecticut
Wildfire Likelihood	Under 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	WATERBURY WATER DEPARTMENT serves 107,271 people · EPA ID CT1510011
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 376 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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