461 Spring St, Apt 3E, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 461 Spring St, Apt 3E, Naugatuck, CT 06770

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,008 sqft · built 1981
Lot Size	0.013 acres (572 sqft)
Owner	Individual Name on Record
Last Sale	$199,500 (Nov 2025)
Tax Bill	$3,462 (2026)
Deeds & Mortgages	Dec 2024 Refinance Nov 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`027-6414`

Property Details

APN / Parcel Number

Primary APN	`027-6414`
Alternative APNs	`NAUG M:209-11W127-003E` `CON130 11W127 003E` `NAUG M:027 L:6414` `27-6414`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	79 Units
Stories	2 Stories
Building Area	1,008 sqft Living Area
Gross Area	1,504 sqft
1st Floor Area	496 sqft
Basement Area	496 sqft
Unfinished Basement	496 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	572 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	27-6414
Street Address	461 SPRING ST, 3E
City	NAUGATUCK
State	CT
Zip	06770-1961
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R8
Legal Lot Number	6414
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	2
Census Block	2010
Census Tract	345100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	461 SPRING ST, NAUGATUCK, CT 06770-1958
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MANUFACTURERS & TRADERS TRUST CO
Nov 4, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Nov 4, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 21, 2022	Warranty Deed, Transfer
Jul 14, 2021	Quit Claim Deed, Transfer · ARM LIBERTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Jan 21, 2022 · Amount on Record
Deed Document Number	20253466
Deed Book / Page	1170 / 508
Prior Transfer Date	Jul 2, 2021
Prior Transfer Doc	001077-802
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	461 SPRING ST APT 3E, 3E, NAUGATUCK, CT 06770-1961
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001152-72
Date	Dec 30, 2024
Book Page	1152/72
Instrument	2024-3717

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2054

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Nov 4, 2025
Property Address	461 SPRING ST APT 3E, 3E, NAUGATUCK, CT 06770-1961
Document Number	001170-508
Book / Page	1170 / 508
Instrument Date	Oct 31, 2025
Instrument	20253466
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
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	461 SPRING ST, NAUGATUCK, CT 06770-1958

Mortgage

Document Number	0020253467
Date	Nov 4, 2025
Instrument	2025-3467

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	001170-531
Date	Nov 4, 2025
Book Page	1170/531
Instrument	2025-3468

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2035

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Nov 4, 2025
Property Address	461 SPRING ST APT 3E, 3E, NAUGATUCK, CT 06770-1961
Document Number	001170-508
Book / Page	1170 / 508
Instrument Date	Oct 31, 2025
Instrument	20253466
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	461 SPRING ST, NAUGATUCK, CT 06770-1958

Mortgage

Document Number	0020253467
Date	Nov 4, 2025
Instrument	2025-3467

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Jan 21, 2022
Property Address	461 SPRING ST APT 3E, 3E, NAUGATUCK, CT 06770-1961
Document Number	001094-339
Book / Page	1094 / 339
Instrument Date	Dec 29, 2021
Instrument	259
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount Recorded
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
Investor	Possibly a Property Investor

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Jul 14, 2021
Property Address	461 SPRING ST APT 3E, 3E, NAUGATUCK, CT 06770-1961
Document Number	001077-802
Book / Page	1077 / 802
Instrument Date	Jul 2, 2021
Instrument	3107
Transaction Type	Transfer
Record Updated	Jul 25, 2024

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	0000003108
Date	Jul 14, 2021
Instrument	3108

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Aug 1, 2031
Index	1-Year CMT

Tax Assessment & Valuation

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	$3,462.00 (+1.64%)	$85,610 (-) Building $85,610	$192,205 (+220.73%)
2025	$3,406.00	$85,610 (-) Building $85,610	$59,927 Building $59,927
2024	$3,406.00 (-11.09%)
2023	$3,831.00 (+57.07%)	$85,610 (+67.63%) Building $85,610
2022	$2,439.00	$51,070 Building $51,070

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, GoNetspeed.

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