41 Locust St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 41 Locust St, Naugatuck, CT 06770

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,976 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,338 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Sep 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:64-10E31`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:64-10E31`
Alternative APNs	`NAUG M:026 L:6410` `AI16 10E31` `026-6410` `26-6410`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,976 sqft Living Area
Gross Area	3,068 sqft
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	26-6410
Street Address	41 LOCUST ST
City	NAUGATUCK
State	CT
Zip	06770-3109
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R15
Legal Lot Number	6410
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	1
Census Block	1012
Census Tract	345100

Owner

41 Locust St, a duplex, is owned and occupied by two individuals who acquired it in July 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	41 LOCUST ST, NAUGATUCK, CT 06770-3109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2025	Quit Claim Deed, Transfer · Line of Credit FIRST WORLD MORTGAGE CORPORATION
Sep 7, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 21, 2023	Quit Claim Deed, Transfer Quitclaim
May 4, 2020	Quit Claim Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 30, 2025
Transfer Doc	001167-155
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	41 LOCUST ST, NAUGATUCK, CT 06770-3109
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001124-256
Date	Jul 11, 2023
Book Page	1124/256
Instrument	2023-1949

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Sep 10, 2025
Property Address	41 LOCUST ST, NAUGATUCK, CT 06770-3109
Document Number	001167-155
Book / Page	1167 / 155
Instrument Date	Jul 30, 2025
Instrument	20252825
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0020252826
Date	Sep 10, 2025
Instrument	2025-2826

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Sep 7, 2023
Property Address	41 LOCUST ST, NAUGATUCK, CT 06770-3109
Document Number	001127-522
Book / Page	1127 / 522
Instrument Date	Sep 7, 2023
Instrument	20232593
Transaction Type	Transfer
Record Updated	Sep 21, 2023

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

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Jun 21, 2023
Property Address	41 LOCUST ST, NAUGATUCK, CT 06770-3109
Document Number	001123-391
Book / Page	1123 / 391
Instrument Date	Apr 11, 2023
Instrument	20231757
Transaction Type	Transfer
Record Updated	Sep 1, 2023

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

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	May 4, 2020
Property Address	41 LOCUST ST, NAUGATUCK, CT 06770-3109
Document Number	1046-216
Book / Page	001046 / 000216
Instrument Date	Feb 12, 2020
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 LOCUST ST NAUGATUCK CT 067703109, NAUGATUCK, CT 06770-3109

Tax Assessment & Valuation

The 2026 property tax bill for 41 Locust St was $6,338, up 1.6% 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	$6,338.00 (+1.64%)	$156,730 (-) Land $30,030 Building $126,700	$304,063 (+177.15%)
2025	$6,236.00	$156,730 Land $30,030 Building $126,700	$109,711 Land $21,021 Building $88,690
2024	$6,236.00 (-11.09%)
2023	$7,014.00 (+28.39%)	$156,730 (+37%) Land $30,030 Building $126,700
2022	$5,463.00	$114,400 Land $31,750 Building $82,650

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

Flood

FEMA maps place 41 Locust St 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 Locust St 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 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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