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Single Family ResidenceResidential
$776,519$402 / 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 88How 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

86 LOWER FISH ROCK RD

SOUTHBURY, CT 06488
3
Beds
3.5
Baths
1,932 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
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

$777K
$684K low$869K high
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.$418,919
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$335,135
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.45%
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.$357,600
NEWTOWN SAVINGS BANK · R · recorded Jul 28, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,624 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$480,320 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$193,420
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$286,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$480,320
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$336,224

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.Cape Cod
CountyNAUGATUCK VALLEY
Lot (acres)The size of the land the home sits on, from county records.0.36
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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(2)

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
Pomperaug Elementary SchoolA-
Elementary · Grades PK–5 · 2.0 mi
M
Rochambeau Middle SchoolB+
Middle · Grades 6–8 · 2.2 mi
H
Pomperaug Regional High SchoolA
High · Grades 9–12 · 6.1 mi

District: Regional School District 15

Neighborhood · ZIP 06488These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.75

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.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.0%
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.20,305
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.511 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$107,384
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$123,508
Average tempThe average temperature here across a full year.50°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

86 Lower Fish Rock Rd 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 95% of homes in Naugatuck Valley County
  • Costs more per square foot than 96% of homes in Southbury 06488
  • Bigger than 69% of homes in Naugatuck Valley County
  • Has a smaller lot than 92% of homes in Southbury 06488
  • Among the newest homes in Southbury 06488

What homes are worth in Southbury 06488

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

This home
$190K$1M

This home is worth more than 88% of homes in Southbury 06488.

How it measures up in Southbury 06488

The dot is this home. The mark in the middle is the typical home in Southbury 06488.

Estimated value$776,519
CheaperTypical $471,245Pricier

Pricier than 88% of homes nearby

Price per ft²$402
CheaperTypical $257Pricier

Pricier than 96% of homes nearby

Living area1,932 ft²
SmallerTypical 1,626 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.36 ac
SmallerTypical 1.62 acBigger

Bigger than 8% of homes nearby

Year built2021
OlderTypical 1974Newer

Newer than almost all homes nearby

How 86 Lower Fish Rock Rd ranks against every home in each area.
MeasureThis homeSouthbury 06488Naugatuck Valley County
Estimated valuepricier than$776,51988% of homes95% of homes
Price per ft²pricier than$40296% of homes96% of homes
Living areabigger than1,932 ft²61% of homes69% of homes
Lot sizebigger than0.36 ac8% of homes47% of homes
Year builtnewer than2021almost all homesalmost all homes

About 86 Lower Fish Rock Rd

How much is 86 Lower Fish Rock Rd, Southbury, CT worth?

The TopHap Estimate for 86 Lower Fish Rock Rd, Southbury, CT is $776,519 as of Jul 14, 2026. The likely range is $683,575 to $869,463. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 86 Lower Fish Rock Rd, Southbury, CT last sell?

86 Lower Fish Rock Rd, Southbury, CT last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 86 Lower Fish Rock Rd, Southbury, CT?

86 Lower Fish Rock Rd, Southbury, CT has 3 bedrooms, 3.5 bathrooms, 1,932 square feet of living space and a 0.36-acre lot.

When was 86 Lower Fish Rock Rd, Southbury, CT built?

86 Lower Fish Rock Rd, Southbury, CT was built in 2021, making it 5 years old. It is a cape cod home. The building has 2 stories.

What schools serve 86 Lower Fish Rock Rd, Southbury, CT?

86 Lower Fish Rock Rd, Southbury, CT is assigned to Pomperaug Elementary School (elementary), rated A-; Rochambeau Middle School (middle), rated B+; Pomperaug Regional High School (high), rated A. All sit in Regional School District 15. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 86 Lower Fish Rock Rd, Southbury, CT compare to other homes in Southbury 06488?

Among the 8,285 homes in Southbury 06488, it is worth more than 88% of them ($776,519 against a typical $471,245), its price per square foot is higher than 96% of them ($402 against a typical $257), it is bigger than 61% of them (1,932 ft² against a typical 1,626 ft²), its lot is bigger than 8% of them (0.36 ac against a typical 1.62 ac) and it is newer than almost all of them (2021 against a typical 1974). Measured against all of Naugatuck Valley County, it is worth more than 95% 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 86 Lower Fish Rock Rd, Southbury, CT?

The 2025 property tax bill for 86 Lower Fish Rock Rd, Southbury, CT was $11,624. The county assessed it at $480,320.

Closest homes

More homes in Southbury 06488

Assigned schools

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