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CondominiumResidential
$143,548$235 / 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 90How 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 $35,000 on Jan 4, 1999

81 CHIPMAN ST

WATERBURY, CT 06708
Building report
1
Beds
1
Baths
610 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.
1991
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$144K
$128K low$159K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$35,000 · Jan 4, 1999
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.$84,648
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$67,718
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.39%
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.$58,900
ZENON GRZYBOWSKI · recorded Jan 3, 1991

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,264 (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.$50,330 (2025)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,330
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$35,231

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
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.1996
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Electric
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

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.

H
Kennedy High SchoolD-
High · Grades 9–12 · 0.3 mi
E
B. W. Tinker Elementary SchoolC
Elementary · Grades KG–5 · 0.5 mi
M
West Side Middle SchoolC-
Middle · Grades 6–8 · 0.5 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.Absentee owner
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

81 Chipman 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.

  • Among the least valuable homes in Town Plot
  • Costs less per square foot than 71% of homes in Naugatuck Valley County
  • Among the smallest homes in Town Plot
  • Newer than 91% of homes in Town Plot

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$507K

This home is worth more than 3% 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$143,548
CheaperTypical $325,294Pricier

Pricier than 3% of homes nearby

Price per ft²$235
CheaperTypical $245Pricier

Pricier than 46% of homes nearby

Living area610 ft²
SmallerTypical 1,330 ft²Bigger

Smaller than almost all homes nearby

Year built1991
OlderTypical 1959Newer

Newer than 91% of homes nearby

How 81 Chipman St ranks against every home in each area.
MeasureThis homeTown PlotWaterbury 06708Naugatuck Valley County
Estimated valuepricier than$143,548almost no homes3% of homesalmost no homes
Price per ft²pricier than$23543% of homes46% of homes29% of homes
Living areabigger than610 ft²almost no homesalmost no homesalmost no homes
Year builtnewer than199191% of homes91% of homes82% of homes

About 81 Chipman St

How much is 81 Chipman St, Waterbury, CT worth?

The TopHap Estimate for 81 Chipman St, Waterbury, CT is $143,548 as of Jul 14, 2026. The likely range is $128,482 to $158,614. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 81 Chipman St, Waterbury, CT last sell?

81 Chipman St, Waterbury, CT last sold on Jan 4, 1999 for $35,000, according to the county's recorded deed.

How big is 81 Chipman St, Waterbury, CT?

81 Chipman St, Waterbury, CT has 1 bedrooms, 1 bathrooms and 610 square feet of living space.

When was 81 Chipman St, Waterbury, CT built?

81 Chipman St, Waterbury, CT was built in 1991, making it 35 years old. The building has 1 story.

What schools serve 81 Chipman St, Waterbury, CT?

81 Chipman St, Waterbury, CT is assigned to Kennedy High School (high), rated D-; B. W. Tinker Elementary School (elementary), rated C; 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 81 Chipman St, Waterbury, CT compare to other homes in Waterbury 06708?

Among the 8,807 homes in Waterbury 06708, it is worth more than 3% of them ($143,548 against a typical $325,294), its price per square foot is higher than 46% of them ($235 against a typical $245), it is bigger than almost none of them (610 ft² against a typical 1,330 ft²) and it is newer than 91% of them (1991 against a typical 1959). Measured against all of Naugatuck Valley County, it is worth more than almost no 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 81 Chipman St, Waterbury, CT?

The 2024 property tax bill for 81 Chipman St, Waterbury, CT was $2,264. The county assessed it at $50,330.

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Assigned schools

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