645 E Main St, Waterbury, CT 06702 Property Records

Waterbury City property record for 645 E Main St, Waterbury, CT 06702

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4,023 sqft · built 1936
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Oct 2021)
Tax Bill	$10,051 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29600910058`

Property Details

APN / Parcel Number

Primary APN	`29600910058`
Alternative APNs	`WATE M:0296 B:0091 L:0058` `WBRY M:0296 B:0091 L:0058`

Interior

Units	3 Units
Stories	3 Stories
Building Area	4,023 sqft Total Area
Basement Area	1,224 sqft
Unfinished Basement	631 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	29600910058
Street Address	645 E MAIN ST
City	WATERBURY
State	CT
Zip	06702-1709
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	CG
Legal Block	91
Legal Lot Number	58
Jurisdiction	WATERBURY CT
Township / Civil Division	WATERBURY
Census Block Group	2
Census Block	2010
Census Tract	350400

Owner

645 E Main St, a commercial property, is owned by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 E MAIN ST, WATERBURY, CT 06702-1709
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021 · Amount on File
Deed Sale	Oct 8, 2021 · Amount on File
Deed Document Number	202117923
Deed Book / Page	8357 / 168
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERBURY CT
Recording Date	Oct 8, 2021
Property Address	645 E MAIN ST, WATERBURY, CT 06702-1709
Document Number	008357-168
Book / Page	8357 / 168
Instrument Date	Oct 8, 2021
Instrument	202117923
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
Relationship	Joint Tenants
Address	645 E MAIN ST, WATERBURY, CT 06702-1709

Mortgage

Document Number	0202117925
Date	Oct 8, 2021
Instrument	2021-17925

Lender

Name	ELYSEE PROPERTIES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 645 E Main St was $10,051.

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	$10,051.00	$231,910 (-) Land $42,910 Building $189,000
2025		$231,910 Land $42,910 Building $189,000	$331,300 Land $61,300 Building $270,000
2024	$10,431.00 (-17%)
2023	$12,567.00	$231,910 Land $42,910 Building $189,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 645 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 25, 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

The area around 645 E Main St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 688 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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