951 E Main St, Waterbury, CT 06705 Property Records

Waterbury City property record for 951 E Main St, Waterbury, CT 06705

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 874 sqft · built 1864
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Feb 2007)
Tax Bill	$3,440 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32200940020`

Property Details

APN / Parcel Number

Primary APN	`32200940020`
Alternative APNs	`WATE M:0322 B:0094 L:0020` `WBRY M:0322 B:0094 L:0020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	874 sqft Living Area
Basement Area	437 sqft
Unfinished Basement	437 sqft

Exterior

Year Built	Built 1864
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	32200940020
Street Address	951 E MAIN ST
City	WATERBURY
State	CT
Zip	06705-1070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CG
Legal Block	94
Legal Lot Number	20
Jurisdiction	WATERBURY CT
Township / Civil Division	WATERBURY
Census Block Group	3
Census Block	3000
Census Tract	351200

Owner

951 E Main St is owned and occupied by an individual who bought it in February 2007.

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

Owner of Record	Individual Name on File
Mailing Address	951 E MAIN ST, WATERBURY, CT 06705-1070
Occupancy	Owner Occupied
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
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2007 · Amount on File
Deed Sale	Feb 7, 2007 · Amount on File
Prior Sale	May 7, 2004 · Amount on File
Deed Book / Page	6040 / 122
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERBURY CT
Recording Date	Sep 14, 2026
Property Address	951 E MAIN ST, WATERBURY, CT 06705-1070
Document Number	0000017520
Book / Page	9330 / 264
Instrument Date	Sep 9, 2026
Instrument	202617520
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	951 E MAIN ST, WATERBURY, CT 06705-1070

Mortgage

Document Number	0000017520,
Date	Sep 14, 2026
Book Page	9330/264
Instrument	202617520

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERBURY CT
Recording Date	Aug 12, 2026
Property Address	951 E MAIN ST, WATERBURY, CT 06705-1070
Document Number	0000016297
Book / Page	9315 / 71
Instrument Date	Aug 7, 2026
Instrument	202616297
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	951 E MAIN ST, WATERBURY, CT 06705-1070

Mortgage

Document Number	0000016297,
Date	Aug 12, 2026
Book Page	9315/71
Instrument	202616297

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2051

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERBURY CT
Property Address	951 E MAIN ST, WATERBURY, CT 06705-1070
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008496-17
Date	May 2, 2022
Book Page	8496/17
Instrument	2022-12401

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 951 E Main St was $3,440.

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	$3,440.00	$79,380 (-) Land $12,390 Building $66,990	$199,624 (+259.26%)
2025		$79,380 Land $12,390 Building $66,990	$55,566 Land $8,673 Building $46,893
2024	$3,571.00 (-16.99%)
2023	$4,302.00	$79,380 Land $12,390 Building $66,990

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 951 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 A, 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 951 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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