45 Cliff St, Norwich, CT 06360 Property Records

Norwich City property record for 45 Cliff St, Norwich, CT 06360

Property Summary

Details	8 bd · 4 ba · 3,253 sqft · built 1880
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Mar 2026)
Tax Bill	$7,923 (2026)
Deeds & Mortgages	Mar 2026 Sale & Line of Credit Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NORW M:102 B:5 L:53`

Property Details

APN / Parcel Number

Primary APN	`NORW M:102 B:5 L:53`
Alternative APNs	`NWCH M:102 B:5 L:53` `0021870001` `21870001`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Units	4 Units
Stories	2 Stories
Building Area	3,253 sqft Living Area
Gross Area	6,114 sqft
1st Floor Area	1,477 sqft
Attic	Attic
Attic Area	1,480 sqft
Basement Area	1,477 sqft
Unfinished Basement	1,477 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	21870001
Street Address	45 CLIFF ST
City	NORWICH
State	CT
Zip	06360-5820
Property Category	Other
Property Type	Unknown
Local Zoning Code	CC
Legal Block	5
Legal Lot Number	53
Jurisdiction	NORWICH CT
Township / Civil Division	NORWICH
Census Block Group	4
Census Block	4006
Census Tract	696800

Owner

45 Cliff St is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	45 CLIFF ST, NORWICH, CT 06360-5820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Mar 17, 2026	Warranty Deed, Subdivision Related Transfer · Line of Credit PRYSMA LENDING GROUP LLC
Jan 5, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage SAVINGS BANK OF DANBURY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2026 · Amount on File
Deed Sale	Mar 17, 2026 · Amount on File
Prior Sale	Jan 5, 2023 · Amount on File
Deed Document Number	20261006
Deed Book / Page	3591 / 897
Transfer Doc	1398000251
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NORWICH CT
Recording Date	Mar 17, 2026
Property Address	45 CLIFF ST, NORWICH, CT 06360-5820
Document Number	003591-897
Book / Page	3591 / 897
Instrument Date	Mar 10, 2026
Instrument	2026001006
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 8, 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
Address	45 CLIFF ST, NORWICH, CT 06360-5820

Mortgage

Document Number	2026001007
Date	Mar 17, 2026
Instrument	2026001007

Lender

Name	PRYSMA LENDING GROUP LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORWICH CT
Recording Date	Jan 5, 2023
Property Address	45 CLIFF ST, NORWICH, CT 06360-5820
Document Number	0003398-19
Book / Page	3398 / 19
Instrument Date	Jan 3, 2023
Instrument	2023000055
Transaction Type	Transfer
Record Updated	Feb 9, 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
Address	PO BOX 1014, DARIEN, CT 06820-1014

Mortgage

Document Number	2023000056
Date	Jan 5, 2023
Instrument	2023000056

Lender

Name	SAVINGS BANK OF DANBURY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 45 Cliff St was $7,923, down 15.6% from the year before.

Source: Norwich City assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,923.00 (-15.61%)	$232,000 (-) Land $24,800 Building $207,200
2025	$9,389.00	$232,000 Land $24,800 Building $207,200	$162,400 Land $17,360 Building $145,040
2024	$9,389.00 (+100.66%)
2023	$4,679.00 (+0.32%)	$96,200 (-) Land $17,600 Building $78,600
2022	$4,664.00	$96,200 Land $17,600 Building $78,600

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 45 Cliff St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 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 45 Cliff 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

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	NORWICH PUBLIC UTILITIES serves 36,163 people · EPA ID CT1040011
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018 Haloacetic acids not recorded as resolved · Feb 2018
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 590 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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