45 Couch St, Norwalk, CT 06854 Property Records

Norwalk City property record for 45 Couch St, Norwalk, CT 06854

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 bd · 2.5 ba · 2,066 sqft · built 1940
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Jan 2025)
Tax Bill	$11,916 (2026)
Deeds & Mortgages	Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D:2 B:31 L:3`

Property Details

APN / Parcel Number

Primary APN	`D:2 B:31 L:3`
Alternative APNs	`NORW M:2 B:31 L:3` `NWLK M:2 B:31 L:3` `4425`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Building Area	2,066 sqft Living Area
Gross Area	3,195 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Duplex Single
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	4425
Street Address	45 COUCH ST
City	NORWALK
State	CT
Zip	06854-2025
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	C
Legal Block	31
Legal Lot Number	3
Jurisdiction	NORWALK CT
Township / Civil Division	NORWALK
Census Block Group	2
Census Block	2004
Census Tract	44000

Owner

45 Couch St, a commercial property, is owned by two individuals who bought it in January 2025.

Source: Norwalk City records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 COUCH ST, NORWALK, CT 06854-2025
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2025 · Amount on File
Deed Sale	Jan 13, 2025 · Amount on File
Deed Document Number	20252025000232
Deed Book / Page	9823 / 30
Record Updated	Oct 29, 2026

January 2025: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	NORWALK CT
Recording Date	Jan 13, 2025
Property Address	45 COUCH ST, NORWALK, CT 06854-2025
Document Number	0009823-30
Book / Page	9823 / 30
Instrument Date	Jan 10, 2025
Instrument	2025000232
Transaction Type	Transfer
Record Updated	Jul 10, 2025
Title Company	NONE AVILABALE

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	2025000233
Date	Jan 13, 2025
Instrument	2025000233

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 45 Couch St was $11,916, up 1.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,916.00 (+1.38%)	$491,780 (-) Land $133,950 Building $357,830	$873,008 (+153.6%)
2025	$11,754.00	$491,780 Land $133,950 Building $357,830	$344,246 Land $93,765 Building $250,481
2024	$11,754.00 (+41.96%)
2023	$8,280.00 (+2.21%)	$330,060 (-) Land $92,090 Building $237,970
2022	$8,101.00	$330,060 Land $92,090 Building $237,970

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

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

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

The area around 45 Couch St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	SOUTH NORWALK ELECTRIC & WATER serves 42,000 people · EPA ID CT1030021
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	Organic carbon removal Jan 2019
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 653 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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