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Single Family ResidenceResidential
$188,127$149 / 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 79How 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 $175,000 on Jun 13, 2025

20 GARDNER ST

WATERBURY, CT 06708
3
Beds
2
Baths
1,259 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1928
Year BuiltThe year the home was originally built, according to county records.
1
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.

Valuation

$188K
$149K low$227K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$175,000 · Jun 13, 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.$188,127
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$150,502

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,491 (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.$122,080 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,010
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$105,070
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$85,456

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.1969
Lot (acres)The size of the land the home sits on, from county records.0.29
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
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)

Transaction History(9)

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
Duggan PreK-8 SchoolC-
Elementary · Grades KG–8 · 0.3 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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 Gardner 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 97% of homes in Naugatuck Valley County
  • Among the lowest price per square foot in Naugatuck Valley County
  • Smaller than 69% of homes in Brooklyn
  • Has a bigger lot than 90% of homes in Brooklyn
  • Older than 85% of homes in Naugatuck Valley County

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$534K

This home is worth more than 5% 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$188,127
CheaperTypical $326,106Pricier

Pricier than 5% of homes nearby

Price per ft²$149
CheaperTypical $244Pricier

Pricier than 3% of homes nearby

Living area1,259 ft²
SmallerTypical 1,330 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.29 ac
SmallerTypical 0.21 acBigger

Bigger than 74% of homes nearby

Year built1928
OlderTypical 1959Newer

Newer than 20% of homes nearby

How 20 Gardner St ranks against every home in each area.
MeasureThis homeBrooklynWaterbury 06708Naugatuck Valley County
Estimated valuepricier than$188,12722% of homes5% of homes3% of homes
Price per ft²pricier than$14920% of homes3% of homesalmost no homes
Living areabigger than1,259 ft²31% of homes42% of homes33% of homes
Lot sizebigger than0.29 ac90% of homes74% of homes37% of homes
Year builtnewer than192851% of homes20% of homes15% of homes

About 20 Gardner St

How much is 20 Gardner St, Waterbury, CT worth?

The TopHap Estimate for 20 Gardner St, Waterbury, CT is $188,127 as of Jul 14, 2026. The likely range is $149,085 to $227,169. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Gardner St, Waterbury, CT last sell?

20 Gardner St, Waterbury, CT last sold on Jun 13, 2025 for $175,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 20 Gardner St, Waterbury, CT?

20 Gardner St, Waterbury, CT has 3 bedrooms, 2 bathrooms, 1,259 square feet of living space and a 0.29-acre lot.

When was 20 Gardner St, Waterbury, CT built?

20 Gardner St, Waterbury, CT was built in 1928, making it 98 years old. It is a cape cod home. The building has 1 story.

What schools serve 20 Gardner St, Waterbury, CT?

20 Gardner 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 20 Gardner St, Waterbury, CT compare to other homes in Waterbury 06708?

Among the 8,807 homes in Waterbury 06708, it is worth more than 5% of them ($188,127 against a typical $326,106), its price per square foot is higher than 3% of them ($149 against a typical $244), it is bigger than 42% of them (1,259 ft² against a typical 1,330 ft²), its lot is bigger than 74% of them (0.29 ac against a typical 0.21 ac) and it is newer than 20% of them (1928 against a typical 1959). Measured against all of Naugatuck Valley County, it is worth more than 3% 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 Gardner St, Waterbury, CT?

The 2024 property tax bill for 20 Gardner St, Waterbury, CT was $5,491. The county assessed it at $122,080.

Closest homes

More homes in Waterbury 06708

Assigned schools

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