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Single Family ResidenceResidential
$230,000$184 / 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 94How 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 $104,000 on Oct 25, 2012

198 CHARLES ST

WATERBURY, CT 06708
3
Beds
1.5
Baths
1,248 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$230K
$216K low$244K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$104,000 · Oct 25, 2012
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.$112,832
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$90,266
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.51%
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.$102,055
FIRST NIAGARA BANK · recorded Oct 25, 2012
2nd 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.$15,113
CT HOUSING FINANCE AUTHORITY

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,428 (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.$120,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,350
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$106,330
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$84,476

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.2003
Lot (acres)The size of the land the home sits on, from county records.0.11
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
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
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(4)

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

Foreclosure Filings(1)

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

E
Duggan PreK-8 SchoolC-
Elementary · Grades KG–8 · 0.4 mi
H
Kennedy High SchoolD-
High · Grades 9–12 · 0.8 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%

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

198 Charles 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 93% of homes in Naugatuck Valley County
  • Costs less per square foot than 93% of homes in Naugatuck Valley County
  • Smaller than 71% of homes in Brooklyn
  • Has a smaller lot than 94% of homes in Naugatuck Valley County
  • Newer than 96% of homes in Brooklyn

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
$129K$528K

This home is worth more than 13% 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$230,000
CheaperTypical $326,030Pricier

Pricier than 13% of homes nearby

Price per ft²$184
CheaperTypical $244Pricier

Pricier than 16% of homes nearby

Living area1,248 ft²
SmallerTypical 1,330 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.11 ac
SmallerTypical 0.21 acBigger

Bigger than 8% of homes nearby

Year built1992
OlderTypical 1958Newer

Newer than 92% of homes nearby

How 198 Charles St ranks against every home in each area.
MeasureThis homeBrooklynWaterbury 06708Naugatuck Valley County
Estimated valuepricier than$230,00035% of homes13% of homes7% of homes
Price per ft²pricier than$18444% of homes16% of homes7% of homes
Living areabigger than1,248 ft²29% of homes40% of homes32% of homes
Lot sizebigger than0.11 ac26% of homes8% of homes6% of homes
Year builtnewer than199296% of homes92% of homes83% of homes

About 198 Charles St

How much is 198 Charles St, Waterbury, CT worth?

The TopHap Estimate for 198 Charles St, Waterbury, CT is $230,000 as of Jul 14, 2026. The likely range is $215,819 to $244,181. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 198 Charles St, Waterbury, CT last sell?

198 Charles St, Waterbury, CT last sold on Oct 25, 2012 for $104,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 198 Charles St, Waterbury, CT?

198 Charles St, Waterbury, CT has 3 bedrooms, 1.5 bathrooms, 1,248 square feet of living space and a 0.11-acre lot.

When was 198 Charles St, Waterbury, CT built?

198 Charles St, Waterbury, CT was built in 1992, making it 34 years old. It is a cape cod home. The building has 2 stories.

What schools serve 198 Charles St, Waterbury, CT?

198 Charles St, Waterbury, CT is assigned to Duggan PreK-8 School (elementary), rated C-; Kennedy High School (high), rated D-. All sit in Waterbury School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 198 Charles St, Waterbury, CT compare to other homes in Waterbury 06708?

Among the 8,807 homes in Waterbury 06708, it is worth more than 13% of them ($230,000 against a typical $326,030), its price per square foot is higher than 16% of them ($184 against a typical $244), it is bigger than 40% of them (1,248 ft² against a typical 1,330 ft²), its lot is bigger than 8% of them (0.11 ac against a typical 0.21 ac) and it is newer than 92% of them (1992 against a typical 1958). Measured against all of Naugatuck Valley County, it is worth more than 7% 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 198 Charles St, Waterbury, CT?

The 2024 property tax bill for 198 Charles St, Waterbury, CT was $5,428. The county assessed it at $120,680.

Closest homes

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Assigned schools

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