54 W Thames St, Norwich, CT 06360 Property Records

Norwich City property record for 54 W Thames St, Norwich, CT 06360

Property Summary

Property Type	Triplex
Details	7 bd · 3 ba · 1,978 sqft · built 1880
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Sep 2022)
Tax Bill	$5,225 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NORW M:110 B:1 L:12`

Property Details

APN / Parcel Number

Primary APN	`NORW M:110 B:1 L:12`
Alternative APNs	`NWCH M:110 B:1 L:12` `0111880001` `111880001`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	3 Units
Stories	2 Stories
Building Area	1,978 sqft Living Area
Gross Area	4,276 sqft
1st Floor Area	964 sqft
Basement Area	1,928 sqft
Unfinished Basement	964 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	111880001
Street Address	54 W THAMES ST
City	NORWICH
State	CT
Zip	06360-6268
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	WD
Legal Block	1
Legal Lot Number	12
Jurisdiction	NORWICH CT
Township / Civil Division	NORWICH
Census Block Group	3
Census Block	3015
Census Tract	696701

Owner

Source: Norwich 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	2 Individual Names on Record
Mailing Address	54 W THAMES ST, NORWICH, CT 06360-6268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Feb 3, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 9, 2018	Deed of Trust, Mortgage · FHA Mortgage CITYWIDE HMS LNS
Apr 6, 2018	Warranty Deed, Transfer · Line of Credit SORTIS FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2022 · Amount on Record
Deed Sale	Sep 14, 2022 · Amount on Record
Prior Sale	Sep 20, 2012
Deed Document Number	20224359
Deed Book / Page	3373 / 279
Transfer Doc	002752-334
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORWICH CT
Recording Date	Sep 14, 2022
Property Address	54 W THAMES ST, NORWICH, CT 06360-6268
Document Number	003373-279
Book / Page	3373 / 279
Instrument Date	Sep 13, 2022
Instrument	2022004359
Transaction Type	Transfer
Record Updated	Nov 20, 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

Mortgage

Document Number	2022004360
Date	Sep 14, 2022
Instrument	2022004360

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORWICH CT
Property Address	54 W THAMES ST, NORWICH, CT 06360-6268
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3162-171
Date	Feb 3, 2020
Book Page	3162/171
Instrument	2020000386

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORWICH CT
Property Address	54 W THAMES ST, NORWICH, CT 06360-6268
Document Number	3099-162
Instrument Date	Nov 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 W THAMES ST NORWICH CT 063606226, NORWICH, CT 06360-6226

Mortgage

Document Number	3099-162
Date	Nov 30, 2018
Book Page	003099/000162
Instrument	4899

Lender

Name	CITYWIDE HMS LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORWICH CT
Recording Date	Apr 6, 2018
Property Address	54 W THAMES ST, NORWICH, CT 06360-6268
Document Number	3063-144
Book / Page	3063 / 144
Instrument	2018001362
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$37.38
Amount Accuracy	Non-Arm's Length Transaction
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3063-147
Date	Apr 6, 2018
Book Page	3063/147
Instrument	2018001363

Lender

Name	SORTIS FINANCIAL INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Norwich City assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision / Municipality	Norwich City
Unified School District	Norwich School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,225.00 (-15.62%)	$153,000 (-) Land $32,300 Building $120,700
2025	$6,192.00	$153,000 (+83.23%) Land $32,300 Building $120,700	$107,100 Land $22,610 Building $84,490
2024	$6,192.00 (+52.47%)
2023	$4,061.00 (+0.32%)	$83,500 (-) Land $22,000 Building $61,500
2022	$4,048.00	$83,500 Land $22,000 Building $61,500

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 September 20, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	NORWICH PUBLIC UTILITIES serves 36,163 people · EPA ID CT1040011
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018 Haloacetic acids not recorded as resolved · Feb 2018
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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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