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Single Family ResidenceResidential
$359,833$202 / 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 Oct 21, 2026
Last sold for $284,900 on Jun 17, 2022

45 FERN ST

WATERBURY, CT 06704
4
Beds
1.5
Baths
1,781 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.
1930
Year BuiltThe year the home was originally built, according to county records.
2
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.

Valuation

$360K
$339K low$381K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$284,900 · Jun 17, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,611 (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.$152,530 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,950
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$132,580
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$152,530
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$337,125

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.1969
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.Brick
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

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(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
F.J. Kingsbury Elementary SchoolD
Elementary · Grades KG–5 · 0.4 mi
M
North End Middle SchoolD
Middle · Grades 6–8 · 2.1 mi
H
Wilby High SchoolF
High · Grades 9–12 · 2.1 mi

District: Waterbury School District

Neighborhood · ZIP 06704These 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.121
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 100.67

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.28%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.28,107
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,329 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$43,116
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$69,479
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%

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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

45 Fern 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 93% of homes in Waterbury 06704
  • Costs less per square foot than 85% of homes in Naugatuck Valley County
  • Bigger than 75% of homes in Waterbury 06704
  • Has a smaller lot than 77% of homes in Naugatuck Valley County
  • Older than 84% of homes in Naugatuck Valley County

What homes are worth in Waterbury 06704

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

This home
$100K$411K

This home is worth more than 93% of homes in Waterbury 06704.

How it measures up in Waterbury 06704

The dot is this home. The mark in the middle is the typical home in Waterbury 06704.

Estimated value$359,833
CheaperTypical $259,925Pricier

Pricier than 93% of homes nearby

Price per ft²$202
CheaperTypical $205Pricier

Pricier than 48% of homes nearby

Living area1,781 ft²
SmallerTypical 1,253 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.18 ac
SmallerTypical 0.19 acBigger

Bigger than 49% of homes nearby

Year built1930
OlderTypical 1956Newer

Newer than 32% of homes nearby

How 45 Fern St ranks against every home in each area.
MeasureThis homeBoulevardWaterbury 06704Naugatuck Valley County
Estimated valuepricier than$359,83386% of homes93% of homes42% of homes
Price per ft²pricier than$20258% of homes48% of homes15% of homes
Living areabigger than1,781 ft²67% of homes75% of homes63% of homes
Lot sizebigger than0.18 ac56% of homes49% of homes23% of homes
Year builtnewer than193036% of homes32% of homes16% of homes

About 45 Fern St

How much is 45 Fern St, Waterbury, CT worth?

The TopHap Estimate for 45 Fern St, Waterbury, CT is $359,833 as of Oct 21, 2026. The likely range is $338,994 to $380,672. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Fern St, Waterbury, CT last sell?

45 Fern St, Waterbury, CT last sold on Jun 17, 2022 for $284,900, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 45 Fern St, Waterbury, CT?

45 Fern St, Waterbury, CT has 4 bedrooms, 1.5 bathrooms, 1,781 square feet of living space and a 0.18-acre lot.

When was 45 Fern St, Waterbury, CT built?

45 Fern St, Waterbury, CT was built in 1930, making it 96 years old. It is a colonial home. The building has 2 stories.

What schools serve 45 Fern St, Waterbury, CT?

45 Fern St, Waterbury, CT is assigned to F.J. Kingsbury Elementary School (elementary), rated D; North End Middle School (middle), rated D; Wilby High School (high), rated F. All sit in Waterbury School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Fern St, Waterbury, CT compare to other homes in Waterbury 06704?

Among the 6,352 homes in Waterbury 06704, it is worth more than 93% of them ($359,833 against a typical $259,925), its price per square foot is higher than 48% of them ($202 against a typical $205), it is bigger than 75% of them (1,781 ft² against a typical 1,253 ft²), its lot is bigger than 49% of them (0.18 ac against a typical 0.19 ac) and it is newer than 32% of them (1930 against a typical 1956). Measured against all of Naugatuck Valley County, it is worth more than 42% 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 Fern St, Waterbury, CT?

The 2026 property tax bill for 45 Fern St, Waterbury, CT was $6,611. The county assessed it at $152,530.

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