51 Joy Rd, Waterbury, CT 06708 Property Records

Waterbury City property record for 51 Joy Rd, Waterbury, CT 06708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,227 sqft · built 1940
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Mar 2026)
Tax Bill	$5,333 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28904400035`

Property Details

APN / Parcel Number

Primary APN	`28904400035`
Alternative APNs	`WATE M:0289 B:0440 L:0035` `WBRY M:0289 B:0440 L:0035`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,227 sqft Living Area
Basement Area	732 sqft
Unfinished Basement	732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1973
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	28904400035
Street Address	51 JOY RD
City	WATERBURY
State	CT
Zip	06708-2403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Block	440
Legal Lot Number	35
Jurisdiction	WATERBURY CT
Township / Civil Division	WATERBURY
Census Block Group	3
Census Block	3012
Census Tract	351800

Owner

51 Joy Rd is owned by an individual who bought it in March 2026.

Source: Waterbury City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	339 BEECHMONT AVE, BRIDGEPORT, CT 06606-3701
Owner Type	Individual
Vesting	Individual(s)

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

Date	Document
Mar 27, 2026	Warranty Deed, Transfer · Conventional Mortgage M & T BANK
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MASTERS PROPERTY LLC
May 25, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESIDE FINANCIAL
May 23, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on File
Deed Sale	Mar 27, 2026 · Amount on File
Prior Sale	May 25, 2021 · Amount on File
Deed Document Number	20262843
Deed Book / Page	9223 / 37
Transfer Doc	7647000156
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERBURY CT
Recording Date	Mar 27, 2026
Property Address	51 JOY RD, WATERBURY, CT 06708-2403
Document Number	0009223-37
Book / Page	9223 / 37
Instrument Date	Mar 16, 2026
Instrument	2026-02843
Transaction Type	Transfer
Record Updated	Apr 15, 2026

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 BEECHMONT AVE, BRIDGEPORT, CT 06606-3701

Mortgage

Document Number	0009223-40
Date	Mar 27, 2026
Book Page	9223/40
Instrument	2026-02844

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERBURY CT
Property Address	51 JOY RD, WATERBURY, CT 06708-2403
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008207-258
Date	Feb 3, 2021
Book Page	8207/258
Instrument	2021-01319

Lender

Name	MASTERS PROPERTY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERBURY CT
Recording Date	May 25, 2021
Property Address	51 JOY RD, WATERBURY, CT 06708-2403
Document Number	002560-216
Book / Page	2560 / 216
Instrument Date	May 21, 2021
Instrument	202111265
Transaction Type	Transfer
Record Updated	Aug 3, 2023

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202111266
Date	May 25, 2021
Instrument	2021-11266

Lender

Name	HOMESIDE FINANCIAL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERBURY CT
Recording Date	May 23, 2017
Property Address	51 JOY RD, WATERBURY, CT 06708-2403
Document Number	7647-156
Book / Page	007647 / 000156
Instrument Date	May 17, 2017
Instrument	11353
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 JOY RD WATERBURY CT 067082403, WATERBURY, CT 06708-2403

Tax Assessment & Valuation

The 2026 property tax bill for 51 Joy Rd was $5,333.

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	$5,333.00	$123,060 (-) Land $27,020 Building $96,040	$295,528 (+243.07%)
2025		$123,060 Land $27,020 Building $96,040	$86,142 Land $18,914 Building $67,228
2024	$5,535.00 (-17%)
2023	$6,669.00	$123,060 Land $27,020 Building $96,040

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 51 Joy Rd 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

Wildfire risk around 51 Joy Rd 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 95% of the US · lower than 92% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 376 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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