81 Cliff St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 81 Cliff St, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,606 sqft · built 1959
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jul 2022)
Tax Bill	$8,940 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:10-43W21`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:10-43W21`
Alternative APNs	`NAUG M:046 L:2900` `AM12 43W21` `046-2900` `46-2900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,606 sqft Living Area
Gross Area	3,632 sqft
1st Floor Area	1,080 sqft
Basement Area	810 sqft
Unfinished Basement	270 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	46-2900
Street Address	81 CLIFF ST
City	NAUGATUCK
State	CT
Zip	06770-3944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Lot Number	2900
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	5
Census Block	5015
Census Tract	345300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	81 CLIFF ST, NAUGATUCK, CT 06770-3944
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FREEDOM MORTGAGE CORP
Oct 15, 2020	Deed of Trust, Mortgage · Line of Credit FDC FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Dec 27, 2017 · Amount on Record
Deed Document Number	20222660
Deed Book / Page	1106 / 179
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAUGATUCK CT
Recording Date	Jul 27, 2022
Property Address	81 CLIFF ST, NAUGATUCK, CT 06770-3944
Document Number	001106-179
Book / Page	1106 / 179
Instrument Date	Jul 26, 2022
Instrument	20222660
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
Address	81 CLIFF ST, NAUGATUCK, CT 06770-3944

Mortgage

Document Number	0020222661
Date	Jul 27, 2022
Instrument	2022-2661

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	81 CLIFF ST, NAUGATUCK, CT 06770-3944
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1056-182
Date	Oct 15, 2020
Book Page	1056/182
Instrument	3301

Lender

Name	FDC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$8,940.00 (+1.64%)	$221,060 (-) Land $31,920 Building $189,140	$361,478 (+133.6%)
2025	$8,796.00	$221,060 (-) Land $31,920 Building $189,140	$154,742 Land $22,344 Building $132,398
2024	$8,796.00 (-11.08%)
2023	$9,892.00 (+70.29%)	$221,060 (+81.72%) Land $31,920 Building $189,140
2022	$5,809.00	$121,650 Land $34,060 Building $87,590

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 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

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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