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Single Family ResidenceResidential
$366,380$311 / 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 91How 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 $249,000 on Jun 8, 2021

20 CHERYL DR

WATERBURY, CT 06708
3
Beds
2.5
Baths
1,178 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1961
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

$366K
$333K low$400K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$249,000 · Jun 8, 2021
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.$74,501
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$59,601
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.80%
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.$244,489
TOTAL MORTGAGE SERVICES LLC · recorded Jun 8, 2021
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.$29,831
SECRETARY HOUSING URBAN DEVELOPMENT
3rd 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.$17,559

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,516 (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.$167,090 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$29,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$137,340
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$167,090
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$116,963

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
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.1984
Lot (acres)The size of the land the home sits on, from county records.0.25
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
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

M
West Side Middle SchoolC-
Middle · Grades 6–8 · 0.5 mi
E
B. W. Tinker Elementary SchoolC
Elementary · Grades KG–5 · 0.6 mi
H
Kennedy High SchoolD-
High · Grades 9–12 · 0.7 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

20 Cheryl Dr 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 84% of homes in Town Plot
  • Costs more per square foot than 87% of homes in Waterbury 06708
  • Smaller than 74% of homes in Naugatuck Valley County
  • Has a bigger lot than 77% of homes in Town Plot

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
$123K$518K

This home is worth more than 72% 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$366,380
CheaperTypical $325,624Pricier

Pricier than 72% of homes nearby

Price per ft²$311
CheaperTypical $244Pricier

Pricier than 87% of homes nearby

Living area1,178 ft²
SmallerTypical 1,330 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.25 ac
SmallerTypical 0.21 acBigger

Bigger than 66% of homes nearby

Year built1961
OlderTypical 1959Newer

Newer than 54% of homes nearby

How 20 Cheryl Dr ranks against every home in each area.
MeasureThis homeTown PlotWaterbury 06708Naugatuck Valley County
Estimated valuepricier than$366,38084% of homes72% of homes41% of homes
Price per ft²pricier than$31186% of homes87% of homes74% of homes
Living areabigger than1,178 ft²35% of homes30% of homes26% of homes
Lot sizebigger than0.25 ac77% of homes66% of homes32% of homes
Year builtnewer than196152% of homes54% of homes41% of homes

About 20 Cheryl Dr

How much is 20 Cheryl Dr, Waterbury, CT worth?

The TopHap Estimate for 20 Cheryl Dr, Waterbury, CT is $366,380 as of Jul 14, 2026. The likely range is $332,865 to $399,895. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Cheryl Dr, Waterbury, CT last sell?

20 Cheryl Dr, Waterbury, CT last sold on Jun 8, 2021 for $249,000, according to the county's recorded deed.

How big is 20 Cheryl Dr, Waterbury, CT?

20 Cheryl Dr, Waterbury, CT has 3 bedrooms, 2.5 bathrooms, 1,178 square feet of living space and a 0.25-acre lot.

When was 20 Cheryl Dr, Waterbury, CT built?

20 Cheryl Dr, Waterbury, CT was built in 1961, making it 65 years old. It is a ranch home. The building has 1 story.

What schools serve 20 Cheryl Dr, Waterbury, CT?

20 Cheryl Dr, Waterbury, CT is assigned to West Side Middle School (middle), rated C-; B. W. Tinker Elementary 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 20 Cheryl Dr, Waterbury, CT compare to other homes in Waterbury 06708?

Among the 8,807 homes in Waterbury 06708, it is worth more than 72% of them ($366,380 against a typical $325,624), its price per square foot is higher than 87% of them ($311 against a typical $244), it is bigger than 30% of them (1,178 ft² against a typical 1,330 ft²), its lot is bigger than 66% of them (0.25 ac against a typical 0.21 ac) and it is newer than 54% of them (1961 against a typical 1959). Measured against all of Naugatuck Valley County, it is worth more than 41% 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 20 Cheryl Dr, Waterbury, CT?

The 2025 property tax bill for 20 Cheryl Dr, Waterbury, CT was $7,516. The county assessed it at $167,090.

Closest homes

More homes in Waterbury 06708

Assigned schools

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