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Single Family ResidenceResidential
$281,854$210 / 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 98How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $125,000 on Jun 27, 2008

40 CHAPEL ST

DERBY, CT 06418
3
Beds
1.5
Baths
1,344 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1860
Year BuiltThe year the home was originally built, according to county records.
2
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

$282K
$276K low$288K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,000 · Jun 27, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,753 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$149,660 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,640
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$118,020
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$92,330
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$297,597

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.47
36
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
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.7 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.Single Family Residence
CountyNAUGATUCK VALLEY
Lot (acres)The size of the land the home sits on, from county records.0.14
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Hot Water
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

Transaction History(1)

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
Bradley SchoolC-
Elementary · Grades KG–5 · 0.9 mi
H
Derby High SchoolD-
High · Grades 9–12 · 2.2 mi
M
Derby Middle SchoolD+
Middle · Grades 6–8 · 2.3 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

40 Chapel 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 81% of homes in Derby 06418
  • Costs less per square foot than 86% of homes in Derby 06418
  • Has a smaller lot than 90% of homes in Naugatuck Valley County
  • Among the oldest homes in Naugatuck Valley County

What homes are worth in Derby 06418

Each bar is how many homes fall in that price range. The marker is this home.

This home
$200K$590K

This home is worth more than 19% of homes in Derby 06418.

How it measures up in Derby 06418

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

Estimated value$281,854
CheaperTypical $345,158Pricier

Pricier than 19% of homes nearby

Price per ft²$210
CheaperTypical $252Pricier

Pricier than 14% of homes nearby

Living area1,344 ft²
SmallerTypical 1,384 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.14 ac
SmallerTypical 0.25 acBigger

Bigger than 16% of homes nearby

Year built1860
OlderTypical 1959Newer

Newer than 2% of homes nearby

How 40 Chapel St ranks against every home in each area.
MeasureThis homeDerby 06418Naugatuck Valley County
Estimated valuepricier than$281,85419% of homes19% of homes
Price per ft²pricier than$21014% of homes19% of homes
Living areabigger than1,344 ft²47% of homes41% of homes
Lot sizebigger than0.14 ac16% of homes10% of homes
Year builtnewer than18602% of homesalmost no homes

About 40 Chapel St

How much is 40 Chapel St, Derby, CT worth?

The TopHap Estimate for 40 Chapel St, Derby, CT is $281,854 as of Sep 24, 2026. The likely range is $275,534 to $288,174. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Chapel St, Derby, CT last sell?

40 Chapel St, Derby, CT last sold on Jun 27, 2008 for $125,000, according to the county's recorded deed.

How big is 40 Chapel St, Derby, CT?

40 Chapel St, Derby, CT has 3 bedrooms, 1.5 bathrooms, 1,344 square feet of living space and a 0.14-acre lot.

When was 40 Chapel St, Derby, CT built?

40 Chapel St, Derby, CT was built in 1860, making it 166 years old. The building has 2 stories.

What schools serve 40 Chapel St, Derby, CT?

40 Chapel St, Derby, CT is assigned to Bradley School (elementary), rated C-; 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 40 Chapel St, Derby, CT compare to other homes in Derby 06418?

Among the 3,850 homes in Derby 06418, it is worth more than 19% of them ($281,854 against a typical $345,158), its price per square foot is higher than 14% of them ($210 against a typical $252), it is bigger than 47% of them (1,344 ft² against a typical 1,384 ft²), its lot is bigger than 16% of them (0.14 ac against a typical 0.25 ac) and it is newer than 2% of them (1860 against a typical 1959). Measured against all of Naugatuck Valley County, it is worth more than 19% 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 40 Chapel St, Derby, CT?

The 2026 property tax bill for 40 Chapel St, Derby, CT was $5,753. The county assessed it at $149,660.

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