Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$468,842$295 / 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 94How 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 $221,000 on Aug 5, 2020

45 CHARTER OAK AVE

WATERBURY, CT 06708
3
Beds
2.5
Baths
1,588 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$469K
$442K low$495K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$221,000 · Aug 5, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,093 (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.$246,610 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$28,350
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$218,260
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$352,300

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.Split Level
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.1993
Lot (acres)The size of the land the home sits on, from county records.0.46
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
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(3)

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.

M
West Side Middle SchoolC-
Middle · Grades 6–8 · 1.1 mi
H
Kennedy High SchoolD-
High · Grades 9–12 · 1.4 mi
E
B. W. Tinker Elementary SchoolC
Elementary · Grades KG–5 · 1.9 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%

Owner Tools

Do you own this home?
Claim this home

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

45 Charter Oak Ave 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 97% of homes in Waterbury 06708
  • Costs more per square foot than 81% of homes in Waterbury 06708
  • Bigger than 74% of homes in West Side Manor
  • Has a bigger lot than 92% of homes in Waterbury 06708
  • Newer than 73% of homes in Waterbury 06708

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$497K

This home is worth more than 97% 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$468,842
CheaperTypical $315,745Pricier

Pricier than 97% of homes nearby

Price per ft²$295
CheaperTypical $234Pricier

Pricier than 81% of homes nearby

Living area1,588 ft²
SmallerTypical 1,330 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.46 ac
SmallerTypical 0.21 acBigger

Bigger than 92% of homes nearby

Year built1980
OlderTypical 1959Newer

Newer than 73% of homes nearby

How 45 Charter Oak Ave ranks against every home in each area.
MeasureThis homeWest Side ManorWaterbury 06708Naugatuck Valley County
Estimated valuepricier than$468,84295% of homes97% of homes67% of homes
Price per ft²pricier than$29578% of homes81% of homes70% of homes
Living areabigger than1,588 ft²74% of homes68% of homes55% of homes
Lot sizebigger than0.46 ac84% of homes92% of homes56% of homes
Year builtnewer than198054% of homes73% of homes65% of homes

About 45 Charter Oak Ave

How much is 45 Charter Oak Ave, Waterbury, CT worth?

The TopHap Estimate for 45 Charter Oak Ave, Waterbury, CT is $468,842 as of Sep 24, 2026. The likely range is $442,427 to $495,257. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Charter Oak Ave, Waterbury, CT last sell?

45 Charter Oak Ave, Waterbury, CT last sold on Aug 5, 2020 for $221,000, according to the county's recorded deed.

How big is 45 Charter Oak Ave, Waterbury, CT?

45 Charter Oak Ave, Waterbury, CT has 3 bedrooms, 2.5 bathrooms, 1,588 square feet of living space and a 0.46-acre lot.

When was 45 Charter Oak Ave, Waterbury, CT built?

45 Charter Oak Ave, Waterbury, CT was built in 1980, making it 46 years old. It is a split level home. The building has 1 story.

What schools serve 45 Charter Oak Ave, Waterbury, CT?

45 Charter Oak Ave, Waterbury, CT is assigned to West Side Middle School (middle), rated C-; Kennedy High School (high), rated D-; B. W. Tinker Elementary School (elementary), rated C. All sit in Waterbury School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Charter Oak Ave, Waterbury, CT compare to other homes in Waterbury 06708?

Among the 8,806 homes in Waterbury 06708, it is worth more than 97% of them ($468,842 against a typical $315,745), its price per square foot is higher than 81% of them ($295 against a typical $234), it is bigger than 68% of them (1,588 ft² against a typical 1,330 ft²), its lot is bigger than 92% of them (0.46 ac against a typical 0.21 ac) and it is newer than 73% of them (1980 against a typical 1959). Measured against all of Naugatuck Valley County, it is worth more than 67% 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 45 Charter Oak Ave, Waterbury, CT?

The 2024 property tax bill for 45 Charter Oak Ave, Waterbury, CT was $11,093. The county assessed it at $246,610.

More homes on Charter Oak Ave

Closest homes

More homes in Waterbury 06708

Assigned schools

Explore the area

See this home in context

Open 45 Charter Oak Ave on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map