96 Cliff St, Naugatuck, CT 06770 Property Records

Naugatuck Borough property record for 96 Cliff St, Naugatuck, CT 06770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,354 sqft · built 1919
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Sep 2011)
Tax Bill	$5,514 (2026)
Deeds & Mortgages	Oct 2021 Refinance Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NAUG M:10-59W2`

Property Details

APN / Parcel Number

Primary APN	`NAUG M:10-59W2`
Alternative APNs	`NAUG M:016 L:0100` `AM12 59W2` `016-0100` `16-0100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,354 sqft Living Area
Gross Area	2,506 sqft
1st Floor Area	788 sqft
Basement Area	788 sqft
Unfinished Basement	788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	16-0100
Street Address	96 CLIFF ST
City	NAUGATUCK
State	CT
Zip	06770-3943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Lot Number	100
Jurisdiction	NAUGATUCK CT
Township / Civil Division	NAUGATUCK
Census Block Group	5
Census Block	5016
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	96 CLIFF ST, NAUGATUCK, CT 06770-3943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL SECURITY CREDIT UNION
Nov 21, 2017	Deed of Trust, Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2011 · Amount on Record
Deed Sale	Sep 9, 2011 · Amount on Record
Prior Sale	Mar 24, 2010
Deed Book / Page	892 / 1
Transfer Doc	000863-384
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	96 CLIFF ST, NAUGATUCK, CT 06770-3943
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001085-794
Date	Oct 7, 2021
Book Page	1085/794
Instrument	4519

Lender

Name	MUTUAL SECURITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAUGATUCK CT
Property Address	96 CLIFF ST, NAUGATUCK, CT 06770-3943
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1003-813
Date	Nov 21, 2017
Book Page	1003/813

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

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	$5,514.00 (+1.62%)	$136,360 (-) Land $28,140 Building $108,220	$310,924 (+225.74%)
2025	$5,426.00	$136,360 (-) Land $28,140 Building $108,220	$95,452 Land $19,698 Building $75,754
2024	$5,426.00 (-11.08%)
2023	$6,102.00 (+16.74%)	$136,360 (+24.58%) Land $28,140 Building $108,220
2022	$5,227.00	$109,460 Land $30,000 Building $79,460

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

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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