46 Kramer Ave, Waterbury, CT 06705 Property Records

Waterbury City property record for 46 Kramer Ave, Waterbury, CT 06705

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,251 sqft · built 1957
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jul 2024)
Tax Bill	$6,329 (2026)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39901340036`

Property Details

APN / Parcel Number

Primary APN	`39901340036`
Alternative APNs	`WATE M:0399 B:0134 L:0036` `WBRY M:0399 B:0134 L:0036`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,251 sqft Living Area
Basement Area	1,251 sqft
Unfinished Basement	851 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	39901340036
Street Address	46 KRAMER AVE
City	WATERBURY
State	CT
Zip	06705-2827
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RL
Legal Block	134
Legal Lot Number	36
Jurisdiction	WATERBURY CT
Township / Civil Division	WATERBURY
Census Block Group	1
Census Block	1005
Census Tract	352702

Owner

Source: Waterbury City 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	Individual Name on Record
Mailing Address	46 KRAMER AVE, WATERBURY, CT 06705-2827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2024 · Amount on Record
Deed Sale	Jul 10, 2024 · Amount on Record
Deed Document Number	20247889
Deed Book / Page	8900 / 90
Record Updated	Oct 29, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERBURY CT
Recording Date	Jul 10, 2024
Property Address	46 KRAMER AVE, WATERBURY, CT 06705-2827
Document Number	0008900-90
Book / Page	8900 / 90
Instrument Date	Jun 28, 2024
Instrument	202407889
Transaction Type	Transfer
Record Updated	Oct 4, 2025

Transaction

Amount	Amount Recorded
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	46 KRAMER AVE, WATERBURY, CT 06705-2827

Mortgage

Document Number	0202407890
Date	Jul 10, 2024
Instrument	2024-07890

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	008900-112
Date	Jul 10, 2024
Book Page	8900/112
Instrument	2024-07891

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

Tax Assessment & Valuation

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	$6,329.00 (-3.64%)	$146,020 (-) Land $20,580 Building $125,440	$311,275 (+204.53%)
2025	$6,568.00	$146,020 (-) Land $20,580 Building $125,440	$102,214 Land $14,406 Building $87,808
2024	$6,568.00 (-17%)
2023	$7,913.00	$146,020 Land $20,580 Building $125,440

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

Flood

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

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	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 229 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: AT&T, T-Mobile.

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