90 Cutler St, Watertown, CT 06795 Property Records

Watertown Town property record for 90 Cutler St, Watertown, CT 06795

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,568 sqft · built 1860
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Sep 2024)
Tax Bill	$5,903 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Sep 2024 Transfer
APN	`WATE M:100 B:50 L:16`

Property Details

APN / Parcel Number

Primary APN	`WATE M:100 B:50 L:16`
Alternative APNs	`WTWN M:100 B:50 L:16` `5292`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
Gross Area	3,696 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5292
Street Address	90 CUTLER ST
City	WATERTOWN
State	CT
Zip	06795-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	50
Legal Lot Number	16
Jurisdiction	WATERTOWN CT
Township / Civil Division	WATERTOWN
Census Block Group	4
Census Block	4002
Census Tract	360100

Owner

90 Cutler St is owned and occupied by an individual who bought it in September 2024.

Source: Watertown Town records, as of June 25, 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	Individual Name on File
Mailing Address	90 CUTLER ST, WATERTOWN, CT 06795-2242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2024	Executor's Deed, Transfer · Stand-Alone First Mortgage PENNYMAC LOAN SERVICES LLC
Sep 24, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2024 · Amount on File
Deed Sale	Sep 24, 2024 · Amount on File
Deed Document Number	2024138315
Deed Book / Page	2333 / 315
Prior Transfer Date	Sep 19, 2024
Prior Transfer Doc	002333-335
Record Updated	Sep 20, 2026

September 2024: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WATERTOWN CT
Recording Date	Sep 24, 2024
Property Address	90 CUTLER ST, WATERTOWN, CT 06795-2242
Document Number	002333-315
Book / Page	2333 / 315
Instrument Date	Sep 20, 2024
Instrument	138315
Transaction Type	Transfer
Record Updated	Oct 10, 2024

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

Mortgage

Document Number	0000138316
Date	Sep 24, 2024
Instrument	138316

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN CT
Recording Date	Sep 24, 2024
Property Address	90 CUTLER ST, WATERTOWN, CT 06795-2242
Document Number	002333-335
Book / Page	2333 / 335
Instrument Date	Sep 19, 2024
Instrument	138317
Transaction Type	Transfer
Record Updated	Oct 10, 2024

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
Relationship	Joint Tenants
Address	90 CUTLER ST, WATERTOWN, CT 06795-2242

Tax Assessment & Valuation

The 2025 property tax bill for 90 Cutler St was $5,903.

Source: Watertown Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Watertown Town
Unified School District	Watertown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,903.00	$196,490 Land $46,760 Building $149,730	$137,543 Land $32,732 Building $104,811
2024	$5,903.00 (+24.25%)
2023	$4,751.00 (+5.48%)	$128,900 (-) Land $46,800 Building $82,100
2022	$4,504.00	$128,900 Land $46,800 Building $82,100

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 has no flood map on file for 90 Cutler St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 90 Cutler 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	Direct burnable vegetation

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	WATERTOWN FIRE DISTRICT serves 6,718 people · EPA ID CT1530011
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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