54 Cliff St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 54 Cliff St, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,502 sqft · built 1880
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Trust Names on File
Last Sale	$151,000 (May 2004)
Tax Bill	$6,146 (2026)
Deeds & Mortgages	Oct 2022 Refinance Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:11-59W8`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:11-59W8`
Alternative APNs	`NAUG M:034 L:0910` `AM12 59W8` `034-0910` `34-0910`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,502 sqft Living Area
Gross Area	2,649 sqft
1st Floor Area	832 sqft
Basement Area	670 sqft
Unfinished Basement	670 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	34-0910
Street Address	54 CLIFF ST
City	NAUGATUCK
State	CT
Zip	06770-3943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R30
Legal Lot Number	910
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	5
Census Block	5016
Census Tract	345300

Owner

54 Cliff St is owner-occupied and held in a trust since August 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	54 CLIFF ST, NAUGATUCK, CT 06770-3943
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WATERBURY TEACHERS FEDERAL CREDIT UNION
Aug 29, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2004 · Amount on File
Deed Sale	May 5, 2004 · Amount on File
Deed Book / Page	659 / 369
Last Transfer Date	Aug 25, 2022
Transfer Doc	001108-309
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	54 CLIFF ST, NAUGATUCK, CT 06770-3943
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001110-441
Date	Oct 3, 2022
Book Page	1110/441
Instrument	2022-3551

Lender

Name	WATERBURY TEACHERS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Aug 29, 2022
Property Address	54 CLIFF ST, NAUGATUCK, CT 06770-3943
Document Number	001108-309
Book / Page	1108 / 309
Instrument Date	Aug 25, 2022
Instrument	20223100
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CLIFF ST, NAUGATUCK, CT 06770-3943

Tax Assessment & Valuation

The 2026 property tax bill for 54 Cliff St was $6,146, up 1.6% from the year before.

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	$6,146.00 (+1.64%)	$151,970 (-) Land $26,950 Building $125,020	$300,069 (+182.08%)
2025	$6,047.00	$151,970 Land $26,950 Building $125,020	$106,379 Land $18,865 Building $87,514
2024	$6,047.00 (-11.09%)
2023	$6,801.00 (+25.97%)	$151,970 (+34.42%) Land $26,950 Building $125,020
2022	$5,399.00	$113,060 Land $28,870 Building $84,190

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

Flood

FEMA maps place 54 Cliff St 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 54 Cliff 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	None beyond 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	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 447 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cliff St

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