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Single Family ResidenceResidential
$324,851$183 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

12 FERN CIR

WATERBURY, CT 06708
4
Beds
1.5
Baths
1,772 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$325K
$313K low$336K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,050 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$156,730 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,320
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$130,410
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$109,711

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.20 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
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.1968
Lot (acres)The size of the land the home sits on, from county records.0.16
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Pool

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

M
West Side Middle SchoolC-
Middle · Grades 6–8 · 0.6 mi
H
Kennedy High SchoolD-
High · Grades 9–12 · 0.7 mi
E
Driggs Elementary SchoolD+
Elementary · Grades KG–5 · 1.3 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%

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

How this home compares

12 Fern Cir measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 68% of homes in Naugatuck Valley County
  • Costs less per square foot than 91% of homes in Naugatuck Valley County
  • Bigger than 80% of homes in Bunker Hill
  • Has a smaller lot than 85% of homes in Bunker Hill
  • Older than 86% of homes in Bunker Hill

What homes are worth in Waterbury 06708

Each bar is how many homes fall in that price range. The marker is this home.

This home
$124K$509K

This home is worth more than 56% of homes in Waterbury 06708.

How it measures up in Waterbury 06708

The dot is this home. The mark in the middle is the typical home in Waterbury 06708.

Estimated value$324,851
CheaperTypical $314,069Pricier

Pricier than 56% of homes nearby

Price per ft²$183
CheaperTypical $233Pricier

Pricier than 20% of homes nearby

Living area1,772 ft²
SmallerTypical 1,330 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.16 ac
SmallerTypical 0.21 acBigger

Bigger than 27% of homes nearby

Year built1925
OlderTypical 1958Newer

Newer than 18% of homes nearby

How 12 Fern Cir ranks against every home in each area.
MeasureThis homeBunker HillWaterbury 06708Naugatuck Valley County
Estimated valuepricier than$324,85149% of homes56% of homes32% of homes
Price per ft²pricier than$18322% of homes20% of homes9% of homes
Living areabigger than1,772 ft²80% of homes75% of homes63% of homes
Lot sizebigger than0.16 ac15% of homes27% of homes16% of homes
Year builtnewer than192514% of homes18% of homes14% of homes

About 12 Fern Cir

How much is 12 Fern Cir, Waterbury, CT worth?

The TopHap Estimate for 12 Fern Cir, Waterbury, CT is $324,851 as of Aug 30, 2026. The likely range is $313,368 to $336,334. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Fern Cir, Waterbury, CT last sell?

12 Fern Cir, Waterbury, CT last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12 Fern Cir, Waterbury, CT?

12 Fern Cir, Waterbury, CT has 4 bedrooms, 1.5 bathrooms, 1,772 square feet of living space and a 0.16-acre lot.

When was 12 Fern Cir, Waterbury, CT built?

12 Fern Cir, Waterbury, CT was built in 1925, making it 101 years old. It is a colonial home. The building has 2 stories.

What schools serve 12 Fern Cir, Waterbury, CT?

12 Fern Cir, Waterbury, CT is assigned to West Side Middle School (middle), rated C-; Kennedy High School (high), rated D-; Driggs Elementary School (elementary), rated D+. All sit in Waterbury School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Fern Cir, Waterbury, CT compare to other homes in Waterbury 06708?

Among the 8,807 homes in Waterbury 06708, it is worth more than 56% of them ($324,851 against a typical $314,069), its price per square foot is higher than 20% of them ($183 against a typical $233), it is bigger than 75% of them (1,772 ft² against a typical 1,330 ft²), its lot is bigger than 27% of them (0.16 ac against a typical 0.21 ac) and it is newer than 18% of them (1925 against a typical 1958). Measured against all of Naugatuck Valley County, it is worth more than 32% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12 Fern Cir, Waterbury, CT?

The 2024 property tax bill for 12 Fern Cir, Waterbury, CT was $7,050. The county assessed it at $156,730.

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