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Single Family ResidenceResidential
$322,435$336 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $41,500 on May 1, 1995

12 STEPHEN ST

DERBY, CT 06418
3
Beds
1
Baths
960 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$322K
$296K low$349K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$41,500 · May 1, 1995

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,902 (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.$113,470 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$39,270
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$113,470
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$162,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
34
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
61
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
39
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 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.Ranch
CountyNAUGATUCK VALLEY
Lot (acres)The size of the land the home sits on, from county records.0.34
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

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
Bradley SchoolD+
Elementary · Grades KG–5 · 0.6 mi
H
Derby High SchoolF
High · Grades 9–12 · 1.9 mi
M
Derby Middle SchoolC
Middle · Grades 6–8 · 2.0 mi

District: Derby School District

Neighborhood · ZIP 06418These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.113
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.12,707
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,336 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,431
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,707
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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 Stephen St 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 70% of homes in Naugatuck Valley County
  • Costs more per square foot than 87% of homes in Derby 06418
  • Smaller than 91% of homes in Naugatuck Valley County

What homes are worth in Derby 06418

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

This home
$214K$625K

This home is worth more than 39% of homes in Derby 06418.

How it measures up in Derby 06418

The dot is this home. The mark in the middle is the typical home in Derby 06418.

Estimated value$322,435
CheaperTypical $347,969Pricier

Pricier than 39% of homes nearby

Price per ft²$336
CheaperTypical $252Pricier

Pricier than 87% of homes nearby

Living area960 ft²
SmallerTypical 1,388 ft²Bigger

Bigger than 11% of homes nearby

Lot size0.34 ac
SmallerTypical 0.25 acBigger

Bigger than 61% of homes nearby

Year built1973
OlderTypical 1959Newer

Newer than 64% of homes nearby

How 12 Stephen St ranks against every home in each area.
MeasureThis homeDerby 06418Naugatuck Valley County
Estimated valuepricier than$322,43539% of homes30% of homes
Price per ft²pricier than$33687% of homes87% of homes
Living areabigger than960 ft²11% of homes9% of homes
Lot sizebigger than0.34 ac61% of homes42% of homes
Year builtnewer than197364% of homes57% of homes

About 12 Stephen St

How much is 12 Stephen St, Derby, CT worth?

The TopHap Estimate for 12 Stephen St, Derby, CT is $322,435 as of Sep 24, 2026. The likely range is $296,330 to $348,540. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Stephen St, Derby, CT last sell?

12 Stephen St, Derby, CT last sold on May 1, 1995 for $41,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 12 Stephen St, Derby, CT?

12 Stephen St, Derby, CT has 3 bedrooms, 1 bathrooms, 960 square feet of living space and a 0.34-acre lot.

When was 12 Stephen St, Derby, CT built?

12 Stephen St, Derby, CT was built in 1973, making it 53 years old. It is a ranch home. The building has 1 story.

What schools serve 12 Stephen St, Derby, CT?

12 Stephen St, Derby, CT is assigned to Bradley School (elementary), rated D+; Derby High School (high), rated F; Derby Middle School (middle), rated C. All sit in Derby School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Stephen St, Derby, CT compare to other homes in Derby 06418?

Among the 3,850 homes in Derby 06418, it is worth more than 39% of them ($322,435 against a typical $347,969), its price per square foot is higher than 87% of them ($336 against a typical $252), it is bigger than 11% of them (960 ft² against a typical 1,388 ft²), its lot is bigger than 61% of them (0.34 ac against a typical 0.25 ac) and it is newer than 64% of them (1973 against a typical 1959). Measured against all of Naugatuck Valley County, it is worth more than 30% 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 St, Derby, CT?

The 2025 property tax bill for 12 Stephen St, Derby, CT was $4,902. The county assessed it at $113,470.

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