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Single Family ResidenceResidential
$640,666$317 / 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 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $600,000 on Jun 24, 2025

12 STEPHEN CT

PROSPECT, CT 06712
3
Beds
2.5
Baths
2,022 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.
0.93 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$641K
$544K low$738K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$600,000 · Jun 24, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$139,016
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$111,213
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.79%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$501,650
V I P MORTGAGE INC · P · recorded Jun 24, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,373 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$288,330 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$102,970
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$185,360
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$209,770
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$201,831

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.Cape Cod
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.2007
Lot (acres)The size of the land the home sits on, from county records.0.93
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(8)

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.

E
Prospect Elementary SchoolB+
Elementary · Grades KG–5 · 1.1 mi
M
Long River Middle SchoolB
Middle · Grades 6–8 · 1.8 mi
H
Woodland Regional High SchoolB
High · Grades 9–12 · 7.6 mi

District: Regional School District 16

Neighborhood · ZIP 06712These 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.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.109
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.1%
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.9,938
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.690 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$123,145
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$129,530
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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 Stephen Ct 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 more than 88% of homes in Prospect 06712
  • Costs more per square foot than 76% of homes in Naugatuck Valley County
  • Bigger than 72% of homes in Naugatuck Valley County
  • Has a bigger lot than 75% of homes in Naugatuck Valley County
  • Newer than 85% of homes in Naugatuck Valley County

What homes are worth in Prospect 06712

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

This home
$297K$770K

This home is worth more than 88% of homes in Prospect 06712.

How it measures up in Prospect 06712

The dot is this home. The mark in the middle is the typical home in Prospect 06712.

Estimated value$640,666
CheaperTypical $479,491Pricier

Pricier than 88% of homes nearby

Price per ft²$317
CheaperTypical $279Pricier

Pricier than 71% of homes nearby

Living area2,022 ft²
SmallerTypical 1,628 ft²Bigger

Bigger than 67% of homes nearby

Lot size0.93 ac
SmallerTypical 0.93 acBigger

Bigger than 51% of homes nearby

Year built1994
OlderTypical 1983Newer

Newer than 71% of homes nearby

How 12 Stephen Ct ranks against every home in each area.
MeasureThis homeProspect 06712Naugatuck Valley County
Estimated valuepricier than$640,66688% of homes86% of homes
Price per ft²pricier than$31771% of homes76% of homes
Living areabigger than2,022 ft²67% of homes72% of homes
Lot sizebigger than0.93 ac51% of homes75% of homes
Year builtnewer than199471% of homes85% of homes

About 12 Stephen Ct

How much is 12 Stephen Ct, Prospect, CT worth?

The TopHap Estimate for 12 Stephen Ct, Prospect, CT is $640,666 as of Jul 14, 2026. The likely range is $543,786 to $737,546. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Stephen Ct, Prospect, CT last sell?

12 Stephen Ct, Prospect, CT last sold on Jun 24, 2025 for $600,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 12 Stephen Ct, Prospect, CT?

12 Stephen Ct, Prospect, CT has 3 bedrooms, 2.5 bathrooms, 2,022 square feet of living space and a 0.93-acre lot.

When was 12 Stephen Ct, Prospect, CT built?

12 Stephen Ct, Prospect, CT was built in 1994, making it 32 years old. It is a cape cod home. The building has 2 stories.

What schools serve 12 Stephen Ct, Prospect, CT?

12 Stephen Ct, Prospect, CT is assigned to Prospect Elementary School (elementary), rated B+; Long River Middle School (middle), rated B; Woodland Regional High School (high), rated B. All sit in Regional School District 16. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Stephen Ct, Prospect, CT compare to other homes in Prospect 06712?

Among the 3,651 homes in Prospect 06712, it is worth more than 88% of them ($640,666 against a typical $479,491), its price per square foot is higher than 71% of them ($317 against a typical $279), it is bigger than 67% of them (2,022 ft² against a typical 1,628 ft²), its lot is bigger than 51% of them (0.93 ac against a typical 0.93 ac) and it is newer than 71% of them (1994 against a typical 1983). Measured against all of Naugatuck Valley County, it is worth more than 86% 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 Stephen Ct, Prospect, CT?

The 2025 property tax bill for 12 Stephen Ct, Prospect, CT was $7,373. The county assessed it at $288,330.

Closest homes

More homes in Prospect 06712

Assigned schools

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