1 Spectacle Ln, Ridgefield, CT 06877 Property Records

Ridgefield Town property record for 1 Spectacle Ln, Ridgefield, CT 06877

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,843 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$1,524,000 (Aug 2026)
Tax Bill	$19,737 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`F190029`

Property Details

APN / Parcel Number

Primary APN	`F190029`
Alternative APN	`RIDG M:F19 B:0029`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,843 sqft Living Area
Basement Area	1,660 sqft
Unfinished Basement	1,039 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2013
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	F190029
Street Address	1 SPECTACLE LN
City	RIDGEFIELD
State	CT
Zip	06877-5713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Block	29
Jurisdiction	RIDGEFIELD CT
Township / Civil Division	RIDGEFIELD
Census Block Group	2
Census Block	2000
Census Tract	245400

Owner

1 Spectacle Ln is owned and occupied by two individuals who bought it in August 2026.

Source: Ridgefield Town records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 SPECTACLE LN, RIDGEFIELD, CT 06877-5713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 9, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRFIELD COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Prior Sale	Sep 9, 2020 · Amount on File
Deed Book / Page	1194 / 1091
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Aug 11, 2026
Property Address	1 SPECTACLE LN, RIDGEFIELD, CT 06877-5713
Document Number	1194001091
Book / Page	1194 / 1091
Instrument Date	Aug 7, 2026
Transaction Type	Transfer
Record Updated	Sep 1, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1 SPECTACLE LN, RIDGEFIELD, CT 06877-5713

Mortgage

Date	Aug 11, 2026

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Sep 9, 2020
Property Address	1 SPECTACLE LN, RIDGEFIELD, CT 06877-5713
Document Number	1099-552
Book / Page	1099 / 552
Instrument Date	Sep 1, 2020
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CHESHIRE WAY, NAPLES, FL 34110

Mortgage

Document Number	1099555
Date	Sep 9, 2020
Instrument	1099/555

Lender

Name	FAIRFIELD COUNTY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1 Spectacle Ln was $19,737.

Source: Ridgefield Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Ridgefield Town
Unified School District	Ridgefield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,737.00	$720,580 Land $362,250 Building $358,330	$504,406 Land $253,575 Building $250,831
2024	$19,737.00 (+6.12%)
2023	$18,598.00 (-12.84%)	$720,580 (-3.99%) Land $362,250 Building $358,330
2022	$21,337.00	$750,520 Land $299,250 Building $451,270

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1 Spectacle Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1 Spectacle Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spectacle Ln

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