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CondominiumResidential

81 Chipman St

WATERBURY, CT 06708
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.
Built 198920 units610–610 ft²
$2M
All units combinedThe sum of our current value estimates for every unit in the building — roughly what the whole building's homes are worth together.
$144K
Median unit valueThe middle unit value in this building by our estimate: half the units are worth more, half less.
$235
Median $/ft²The middle price per square foot across the building's units, by our current estimates. Useful for comparing units of different sizes.

-9.8%vs the Waterbury ZIP median sale $/ft² ($261)

Sales Performance

$124K
Median sale (12 mo)The middle sale price among this building's units that sold in the last 12 months, from recorded deeds.
-9.3%
1-yr changeHow the building's median sale price over the last 12 months compares with the 12 months before that.
2
Sales (12 mo)Units in this building that sold in the last 12 months, from recorded arms-length deeds.
10.0%
Turnover (12 mo)The share of units that changed hands in the last 12 months. Around 4–6% a year is typical; much higher can signal investor churn or a wave of exits.
This building's own appreciationThe building's own appreciation: for every unit that sold twice (held over a year), we compute its yearly price change between the two sales and take the middle value. This is the cleanest read on how this specific building performs, because it compares each unit to itself.
-1.1%per yeartypical hold 14.0 yrsfrom 18 same-unit resales
Median sale price (yearly, all time)Every recorded arms-length sale in the building since records begin, grouped by year: the bars count sales and the line tracks the median price paid.MedianSales
19891992199620052012201720212025
Sale price per ft² (yearly, all time)The middle price per square foot across the building's units, by our current estimates. Useful for comparing units of different sizes.$/ft²
19891992199620052012201720212025

35 arms-length sales on record for this building.

Unit Mix & Floor PlansThe building's recurring floor plans, found by grouping units with identical beds, baths and square footage in county records. Larger groups are the building's standard layouts; leftover units have one-off sizes.

Every unit: size vs estimated valueEvery unit in the building as one dot: across is its size, up is our current value estimate, and color is its bedroom count. Vertical columns of dots are recurring floor plans; the height spread within a column shows how much floor, view and condition move prices for the same layout.
$139K$166K$193K$220K610 ft²610 ft²610 ft²610 ft²610 ft²610 ft²
1 bd
1 bed
20 units
Recurring floor plansThe building's recurring floor plans, found by grouping units with identical beds, baths and square footage in county records. Larger groups are the building's standard layouts; leftover units have one-off sizes.
1 bd · 1 ba · 610 ft²
20 units

Value DistributionHow the building's units spread across value ranges by our current estimates. A wide spread usually means big differences in size, floor or view.

$139K–$147K
10 units
$153K–$154K
2 units
$220K–$220K
1 unit

Ownership & Financing

Owner-occupiedThe share of units where the owner lives in the unit, per county records. The rest are second homes or rentals.30%
Company-ownedUnits owned through an LLC, trust, or other company — a rough proxy for investor ownership.10%
Typical owner tenureThe middle number of years since each unit last changed hands — how long the current owners have been in place.13.9 yrs
Cash purchases (5 yrs)The share of purchases in the last 5 years with no mortgage recorded. High cash share is common in second-home and investor buildings.100%
Avg. loan-to-valueAverage current loan balance against unit value across the building. Low numbers mean owners hold lots of equity — a sign of financial stability.17%
Median owner equityThe middle dollar amount of equity (value minus loans) unit owners hold in this building.$149,954
Median tax billThe middle annual property tax bill among the building's units.$2,209
Pre-foreclosure noticesUnits with an active pre-foreclosure or foreclosure notice on file.0

Recent SalesThe latest recorded arms-length sales in the building, newest first.

Unit 6Sep 19, 2025$131,500Unit 13Sep 9, 2025$117,000Unit 19Jun 23, 2025$149,900Unit 19Mar 4, 2025$108,000Unit 5Dec 16, 2024$137,000Unit 5Jul 19, 2022$85,000Unit 9Dec 9, 2021$64,500Unit 9Sep 14, 2021$40,000Unit 3Jun 10, 2021$61,000Unit 3Jul 16, 2019$35,000

Values are TopHap estimates, not appraisals. Sales, ownership and tax figures come from recorded county documents via ATTOM and can lag by several weeks.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
CountyNAUGATUCK VALLEY
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1994
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Electric
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Kennedy High SchoolD-
High · Grades 9–12 · 0.3 mi
E
B. W. Tinker Elementary SchoolC
Elementary · Grades KG–5 · 0.5 mi
M
West Side Middle SchoolC-
Middle · Grades 6–8 · 0.5 mi

District: Waterbury School District

Neighborhood · ZIP 06708These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.69

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.32,336
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,332 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,073
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,401
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

All UnitsEvery property record the county has at this street address, such as the units in a condo building. Prices shown are our estimates, not asking prices.

81 Chipman St
1 bd · 1 ba · 610 ft²
$144K
81 Chipman St # 2
1 bd · 1 ba · 610 ft²
$147K
81 Chipman St # 3
1 bd · 1 ba · 610 ft²
81 Chipman St # 4
1 bd · 1 ba · 610 ft²
81 Chipman St # 5
1 bd · 1 ba · 610 ft²
$154K
81 Chipman St # 6
1 bd · 1 ba · 610 ft²
$139K
81 Chipman St # 7
1 bd · 1 ba · 610 ft²
81 Chipman St
1 bd · 1 ba · 610 ft²
$140K
81 Chipman St # 9
1 bd · 1 ba · 610 ft²
$140K
81 Chipman St # 10
1 bd · 1 ba · 610 ft²
81 Chipman St # 11
1 bd · 1 ba · 610 ft²
$140K
81 Chipman St # 12
1 bd · 1 ba · 610 ft²
$141K
81 Chipman St # 13
1 bd · 1 ba · 610 ft²
$220K
81 Chipman St # 14
1 bd · 1 ba · 610 ft²
$143K
81 Chipman St # 15
1 bd · 1 ba · 610 ft²
81 Chipman St # 16
1 bd · 1 ba · 610 ft²
81 Chipman St # 17
1 bd · 1 ba · 610 ft²
$144K
81 Chipman St # 18
1 bd · 1 ba · 610 ft²
$146K
81 Chipman St # 19
1 bd · 1 ba · 610 ft²
$153K
81 Chipman St # 20
1 bd · 1 ba · 610 ft²

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

About 81 Chipman St

How many units are in 81 Chipman St, Waterbury, CT?

81 Chipman St, Waterbury, CT has 20 residential units across built in 1989, according to county assessor records.

What is a unit at 81 Chipman St, Waterbury, CT worth?

The median TopHap Estimate across the 20 units at 81 Chipman St, Waterbury, CT is $143,548. That works out to $235 per square foot. Units run from 610 to 610 square feet. Estimates are modelled from recorded sales and assessments, not appraisals.

Is 81 Chipman St, Waterbury, CT expensive for Waterbury?

Units at 81 Chipman St, Waterbury, CT carry a median of $235 per square foot, 10% below the Waterbury median of $261 per square foot.

How often do units sell at 81 Chipman St, Waterbury, CT?

2 units at 81 Chipman St, Waterbury, CT sold in the last 12 months, out of 35 recorded arms-length sales all time. That is a turnover rate of 10.0% of the building per year. The median sale over that period was $124K.

Have units at 81 Chipman St, Waterbury, CT appreciated?

Across 18 repeat sales of the same unit, 81 Chipman St, Waterbury, CT returned a median -1.1% per year. Because each pair is the same unit bought and sold, the figure is not distorted by which units traded. The median owner held for 14.0 years.

What floor plans does 81 Chipman St, Waterbury, CT have?

The most common plan at 81 Chipman St, Waterbury, CT is a 1-bedroom of 610 square feet, repeated 20 times, with a median estimate of $143,548. TopHap identifies 1 recurring plans in the building.

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