Naugatuck Borough property record for 45 Rayron Cir, Naugatuck, CT 06770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,700 sqft · built 1996 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $182,000 (May 2009) |
| Tax Bill | $8,139 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-4805 |
| Primary APN | 051-4805 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,700 sqft Living Area |
| Gross Area | 3,027 sqft |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 51-4805 |
|---|---|
| Street Address | 45 RAYRON CIR |
| City | NAUGATUCK |
| State | CT |
| Zip | 06770-3475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Lot Number | 4805 |
| Jurisdiction | NAUGATUCK CT |
| Township / Civil Division | NAUGATUCK |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 345201 |
45 Rayron Cir is owned and occupied by two individuals who bought it in May 2009.
Source: Naugatuck Borough records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 RAYRON CIR, NAUGATUCK, CT 06770-3475 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ION BANK |
| Jun 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ION BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2009 · Amount on File |
| Deed Sale | May 28, 2009 · Amount on File |
| Prior Sale | Jan 30, 1998 · Amount on File |
| Deed Book / Page | 848 / 511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAUGATUCK CT |
| Recording Date | Jul 6, 2026 |
| Property Address | 45 RAYRON CIR, NAUGATUCK, CT 06770-3475 |
| Document Number | 0000002055 |
| Book / Page | 1185 / 390 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 20262055 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 RAYRON CIR, NAUGATUCK, CT 06770-3475 |
| Document Number | 0000002055, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 1185/390 |
| Instrument | 20262055 |
| Name | ION BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAUGATUCK CT |
| Property Address | 45 RAYRON CIR, NAUGATUCK, CT 06770-3475 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001076-182 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 1076/182 |
| Instrument | 2715 |
| Name | ION BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2036 |
The 2026 property tax bill for 45 Rayron Cir was $8,139, up 1.6% from the year before.
Source: Naugatuck Borough assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision / Municipality | Naugatuck Borough |
| Unified School District | Naugatuck School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,139.00 (+1.64%) | $201,250 (-) Land $33,320 Building $167,930 | $371,807 (+163.93%) |
| 2025 | $8,008.00 | $201,250 Land $33,320 Building $167,930 | $140,875 Land $23,324 Building $117,551 |
| 2024 | $8,008.00 (-11.08%) | ||
| 2023 | $9,006.00 (+40.15%) | $201,250 (+49.55%) Land $33,320 Building $167,930 | |
| 2022 | $6,426.00 | $134,570 Land $35,480 Building $99,090 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Rayron Cir 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 risk around 45 Rayron Cir 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 176 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.
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