Naugatuck Borough property record for 474 Prospect St, Naugatuck, CT 06770
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 5 bd · 3 ba · 2,228 sqft · built 1884 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | Company Name on File |
| Last Sale | $340,000 (Jan 2024) |
| Tax Bill | $14,443 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2024 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | NAUG M:L-12E1 |
| Primary APN | NAUG M:L-12E1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Building Area | 2,228 sqft Living Area |
| Basement Area | 1,004 sqft |
| Unfinished Basement | 1,004 sqft |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Construction Type | Frame |
| Lot Area | 56,628 sqft (1.3 acres) |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Account Number | 58-3800 |
|---|---|
| Street Address | 474 PROSPECT ST |
| City | NAUGATUCK |
| State | CT |
| Zip | 06770-3117 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | B-2 |
| Legal Lot Number | 3800 |
| Jurisdiction | NAUGATUCK CT |
| Township / Civil Division | NAUGATUCK |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 345100 |
474 Prospect St, a commercial property, is owned by a company that bought it in January 2024.
Source: Naugatuck Borough records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 474 PROSPECT ST, NAUGATUCK, CT 06770-3117 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Jun 1, 2026 | Deed of Trust · Line of Credit CROSSCOUNTY MORTGAGE INC |
| Jan 8, 2024 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2024 · Amount on File |
| Deed Sale | Jan 8, 2024 · Amount on File |
| Deed Document Number | 202456 |
| Deed Book / Page | 1133 / 911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAUGATUCK CT |
| Recording Date | Jun 1, 2026 |
| Property Address | 474 PROSPECT ST, NAUGATUCK, CT 06770-3117 |
| Document Number | 0001183-94 |
| Book / Page | 1183 / 94 |
| Instrument Date | May 27, 2026 |
| Instrument | 20261658 |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001658, |
|---|---|
| Date | Jun 1, 2026 |
| Book Page | 1183/94 |
| Instrument | 20261658 |
| Name | CROSSCOUNTY MORTGAGE INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NAUGATUCK CT |
| Recording Date | Jan 8, 2024 |
| Property Address | 474 PROSPECT ST, NAUGATUCK, CT 06770-3117 |
| Document Number | 001133-911 |
| Book / Page | 1133 / 911 |
| Instrument Date | Jan 5, 2024 |
| Instrument | 202456 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 474 Prospect St was $14,443, 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 | $14,443.00 (+1.63%) | $357,140 (-) Land $112,350 Building $244,790 | $378,394 (+51.36%) |
| 2025 | $14,211.00 | $357,140 Land $112,350 Building $244,790 | $249,998 Land $78,645 Building $171,353 |
| 2024 | $14,211.00 (+54.94%) | ||
| 2023 | $9,172.00 (+0.75%) | $204,960 (+7.51%) Land $112,350 Building $92,610 | |
| 2022 | $9,104.00 | $190,650 Land $113,400 Building $77,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 Prospect St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 25, 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 474 Prospect 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 |
| 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 145 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 |
| Verizon Fixed Wireless | 300 / 20 |
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