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Duplex (2 Units, Any Combination)Residential
Last sold for $495,000 on Dec 4, 2023

28 SMITH ST

DERBY, CT 06418
4
Beds
2
Baths
1,920 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1923
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$495,000 · Dec 4, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,259 (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.$121,730 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,230
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$89,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$121,730
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$173,900

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.51
54
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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.18 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.Duplex (2 Units, Any Combination)
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.1998
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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
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(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
Irving SchoolD-
Elementary · Grades KG–5 · 0.3 mi
H
Derby High SchoolD-
High · Grades 9–12 · 0.6 mi
M
Derby Middle SchoolD+
Middle · Grades 6–8 · 0.6 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

28 Smith 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.

  • Bigger than 75% of homes in Derby 06418
  • Has a smaller lot than 80% of homes in Naugatuck Valley County
  • Older than 88% of homes in Naugatuck Valley County

How it measures up in Derby 06418

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

Living area1,920 ft²
SmallerTypical 1,388 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.18 ac
SmallerTypical 0.25 acBigger

Bigger than 28% of homes nearby

Year built1923
OlderTypical 1959Newer

Newer than 23% of homes nearby

How 28 Smith St ranks against every home in each area.
MeasureThis homeDerby 06418Naugatuck Valley County
Living areabigger than1,920 ft²75% of homes69% of homes
Lot sizebigger than0.18 ac28% of homes20% of homes
Year builtnewer than192323% of homes12% of homes

About 28 Smith St

When did 28 Smith St, Derby, CT last sell?

28 Smith St, Derby, CT last sold on Dec 4, 2023 for $495,000, according to the county's recorded deed. TopHap holds 8 recorded sales for this parcel.

How big is 28 Smith St, Derby, CT?

28 Smith St, Derby, CT has 4 bedrooms, 2 bathrooms, 1,920 square feet of living space and a 0.18-acre lot.

When was 28 Smith St, Derby, CT built?

28 Smith St, Derby, CT was built in 1923, making it 103 years old. The building has 2 stories.

What schools serve 28 Smith St, Derby, CT?

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

How does 28 Smith St, Derby, CT compare to other homes in Derby 06418?

Among the 3,850 homes in Derby 06418, it is bigger than 75% of them (1,920 ft² against a typical 1,388 ft²), its lot is bigger than 28% of them (0.18 ac against a typical 0.25 ac) and it is newer than 23% of them (1923 against a typical 1959). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 28 Smith St, Derby, CT?

The 2025 property tax bill for 28 Smith St, Derby, CT was $5,259. The county assessed it at $121,730.

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