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Single Family ResidenceResidential
$427,161$177 / 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 Jul 14, 2026
Last sold for $160,000 on Jan 19, 2016

39 RAY ST

WATERBURY, CT 06708
3
Beds
2.5
Baths
2,410 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1897
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$427K
$393K low$462K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$160,000 · Jan 19, 2016
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.$234,179
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$187,343
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.46%
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.$157,102
POWER EXPRESS MTG BKR · recorded Jan 19, 2016
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.$35,880
SECRETARY HOUSING URBAN DEVELOPMENT

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,021 (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.$200,550 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$173,950
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$140,385

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.Colonial
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.1976
Lot (acres)The size of the land the home sits on, from county records.0.33
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
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.Pool W/Hot Tub/Spa

Transaction History(7)

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
Bunker Hill Elementary SchoolC-
Elementary · Grades KG–5 · 0.2 mi
H
Kennedy High SchoolD-
High · Grades 9–12 · 1.7 mi
M
West Side Middle SchoolC-
Middle · Grades 6–8 · 1.7 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

39 Ray 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 more than 90% of homes in Waterbury 06708
  • Costs less per square foot than 94% of homes in Naugatuck Valley County
  • Bigger than 95% of homes in Bunker Hill
  • Has a bigger lot than 81% of homes in Waterbury 06708
  • Among the oldest homes in Bunker Hill

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
$127K$525K

This home is worth more than 90% 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$427,161
CheaperTypical $325,951Pricier

Pricier than 90% of homes nearby

Price per ft²$177
CheaperTypical $244Pricier

Pricier than 11% of homes nearby

Living area2,410 ft²
SmallerTypical 1,330 ft²Bigger

Bigger than 89% of homes nearby

Lot size0.33 ac
SmallerTypical 0.21 acBigger

Bigger than 81% of homes nearby

Year built1897
OlderTypical 1959Newer

Newer than 2% of homes nearby

How 39 Ray St ranks against every home in each area.
MeasureThis homeBunker HillWaterbury 06708Naugatuck Valley County
Estimated valuepricier than$427,16189% of homes90% of homes57% of homes
Price per ft²pricier than$17713% of homes11% of homes6% of homes
Living areabigger than2,410 ft²95% of homes89% of homes83% of homes
Lot sizebigger than0.33 ac79% of homes81% of homes42% of homes
Year builtnewer than1897almost no homes2% of homes4% of homes

About 39 Ray St

How much is 39 Ray St, Waterbury, CT worth?

The TopHap Estimate for 39 Ray St, Waterbury, CT is $427,161 as of Jul 14, 2026. The likely range is $392,700 to $461,622. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 39 Ray St, Waterbury, CT last sell?

39 Ray St, Waterbury, CT last sold on Jan 19, 2016 for $160,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 39 Ray St, Waterbury, CT?

39 Ray St, Waterbury, CT has 3 bedrooms, 2.5 bathrooms, 2,410 square feet of living space and a 0.33-acre lot.

When was 39 Ray St, Waterbury, CT built?

39 Ray St, Waterbury, CT was built in 1897, making it 129 years old. It is a colonial home. The building has 2 stories.

What schools serve 39 Ray St, Waterbury, CT?

39 Ray St, Waterbury, CT is assigned to Bunker Hill Elementary School (elementary), rated C-; Kennedy High School (high), rated D-; West Side Middle School (middle), rated C-. All sit in Waterbury School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 39 Ray St, Waterbury, CT compare to other homes in Waterbury 06708?

Among the 8,807 homes in Waterbury 06708, it is worth more than 90% of them ($427,161 against a typical $325,951), its price per square foot is higher than 11% of them ($177 against a typical $244), it is bigger than 89% of them (2,410 ft² against a typical 1,330 ft²), its lot is bigger than 81% of them (0.33 ac against a typical 0.21 ac) and it is newer than 2% of them (1897 against a typical 1959). Measured against all of Naugatuck Valley County, it is worth more than 57% 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 39 Ray St, Waterbury, CT?

The 2024 property tax bill for 39 Ray St, Waterbury, CT was $9,021. The county assessed it at $200,550.

Closest homes

More homes in Waterbury 06708

Assigned schools

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