71 Cliff St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 71 Cliff St, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,719 sqft · built 1989
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jun 2023)
Tax Bill	$8,586 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:10-43W7-A`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:10-43W7-A`
Alternative APNs	`NAUG M:011 L:6200` `AM12 43W7 A` `011-6200` `11-6200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,719 sqft Living Area
Gross Area	3,495 sqft
1st Floor Area	986 sqft
Basement Area	986 sqft
Unfinished Basement	219 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11-6200
Street Address	71 CLIFF ST
City	NAUGATUCK
State	CT
Zip	06770-3944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Lot Number	6200
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	5
Census Block	5015
Census Tract	345300

Owner

71 Cliff St is owned by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	500 W 235TH ST, 6L, BRONX, NY 10463-1837
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

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Line of Credit CHAMPIONS FUNDING LLC
Jun 21, 2023	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Dec 5, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on File
Deed Sale	Jun 21, 2023 · Amount on File
Prior Sale	Dec 5, 2022 · Amount on File
Deed Document Number	20231758
Deed Book / Page	1123 / 393
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Recording Date	May 20, 2026
Property Address	71 CLIFF ST, NAUGATUCK, CT 06770-3944
Document Number	001182-433
Book / Page	1182 / 433
Instrument Date	May 18, 2026
Instrument	20261542
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 CLIFF ST, NAUGATUCK, CT 06770-3944

Mortgage

Document Number	0000001542,
Date	May 20, 2026
Book Page	1182/433
Instrument	20261542

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Jun 21, 2023
Property Address	71 CLIFF ST, NAUGATUCK, CT 06770-3944
Document Number	001123-393
Book / Page	1123 / 393
Instrument Date	Jun 20, 2023
Instrument	20231758
Transaction Type	Transfer
Record Updated	Sep 1, 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	500 W 235TH ST APT 6L, 6L, BRONX, NY 10463-1837

Mortgage

Document Number	0020231759
Date	Jun 21, 2023
Instrument	2023-1759

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Dec 5, 2022
Property Address	71 CLIFF ST, NAUGATUCK, CT 06770-3944
Document Number	001114-150
Book / Page	1114 / 150
Instrument Date	Nov 30, 2022
Instrument	20224374
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount 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	408 LONG MEADOW RD, MIDDLEBURY, CT 06762-3404

Tax Assessment & Valuation

The 2026 property tax bill for 71 Cliff St was $8,586, 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	$8,586.00 (+1.63%)	$212,310 (-) Land $25,760 Building $186,550	$344,040 (+131.49%)
2025	$8,448.00	$212,310 Land $25,760 Building $186,550	$148,617 Land $18,032 Building $130,585
2023	$8,383.00 (+42.35%)	$187,320 (+51.9%) Land $25,760 Building $161,560
2022	$5,889.00	$123,320 Land $27,690 Building $95,630

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 71 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 71 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.

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