Fairfield Town property record for 1039 Reef Rd, Fairfield, CT 06824
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,928 sqft · built 2019 |
| Lot Size | 0.117 acres (5,080 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,400,000 (Jun 2024) |
| Tax Bill | $20,150 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jun 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | FAIR M:184 B:130 |
| Primary APN | FAIR M:184 B:130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,928 sqft Living Area |
| Gross Area | 3,509 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,080 sqft (0.117 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 10146 |
|---|---|
| Street Address | 1039 REEF RD |
| City | FAIRFIELD |
| State | CT |
| Zip | 06824-6546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Block | 130 |
| Jurisdiction | FAIRFIELD CT |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 61500 |
1039 Reef Rd is owned by an individual who bought it in June 2024.
Source: Fairfield Town records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 153 COLLEGE PL, FAIRFIELD, CT 06824-6509 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Line of Credit CMG HOME LOANS |
| Jun 3, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 13, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage MALVERN NATIONAL BANK |
| Feb 24, 2020 | Quit Claim Deed, Transfer UNKNOWN |
| Jan 20, 2020 | Deed of Trust, Mortgage WILLIAM M RUARK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2024 · Amount on File |
| Deed Sale | Jun 3, 2024 · Amount on File |
| Prior Sale | Sep 13, 2022 · Amount on File |
| Deed Document Number | 20242024-2667 |
| Deed Book / Page | 6510 / 24 |
| Prior Transfer Date | Feb 15, 2020 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Property Address | 1039 REEF RD, FAIRFIELD, CT 06824-6546 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0006703-84 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 6703/84 |
| Instrument | 2026-1419 |
| Name | CMG HOME LOANS |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Recording Date | Jun 3, 2024 |
| Property Address | 1039 REEF RD, FAIRFIELD, CT 06824-6546 |
| Document Number | 0006510-24 |
| Book / Page | 6510 / 24 |
| Instrument Date | May 30, 2024 |
| Instrument | 2024-2667 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 153 COLLEGE PL, FAIRFIELD, CT 06824-6509 |
| Document Number | 0020242668 |
|---|---|
| Date | Jun 3, 2024 |
| Instrument | 2024-2668 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Recording Date | Sep 13, 2022 |
| Property Address | 1039 REEF RD, FAIRFIELD, CT 06824-6546 |
| Document Number | 006357-168 |
| Book / Page | 6357 / 168 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 2022-6441 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 MCCAMPBELL RD, HOLMDEL, NJ 07733-2290 |
| Document Number | 0020226442 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 2022-6442 |
| Name | MALVERN NATIONAL BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Type Change Date | Oct 1, 2027 |
| Max Rate At Change | 2.25% |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Recording Date | Feb 24, 2020 |
| Property Address | 1039 REEF RD, FAIRFIELD, CT 06824-6546 |
| Document Number | 5880-75 |
| Book / Page | 005880 / 000075 |
| Instrument Date | Feb 15, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2020 |
| Title Company | UNKNOWN |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1838 BLACK ROCK TPKE FAIRFIELD CT 068253500, FAIRFIELD, CT 06825-3500 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Property Address | 1039 REEF RD, FAIRFIELD, CT 06824-6546 |
| Document Number | 5868-144 |
| Instrument Date | Jan 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2020 |
| Title Company | UNKNOWN |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1838 BLACK ROCK TPKE FAIRFIELD CT 068253500, FAIRFIELD, CT 06825-3500 |
| Document Number | 5868-144 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 005868/000144 |
| Instrument | 427 |
| Name | WILLIAM M RUARK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 24 Months |
| Due | Jan 20, 2022 |
The 2026 property tax bill for 1039 Reef Rd was $20,150, up 4.3% from the year before.
Source: Fairfield Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Fairfield Town |
| Unified School District | Fairfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $20,150.00 (+4.3%) | $1,050,000 (+54.31%) Land $652,153 Building $397,847 | $1,810,409 (+280.08%) |
| 2025 | $19,319.00 | $680,470 Land $330,330 Building $350,140 | $476,329 Land $231,231 Building $245,098 |
| 2024 | $19,319.00 (+3.2%) | ||
| 2023 | $18,720.00 | $680,470 Land $330,330 Building $350,140 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1039 Reef Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 28, 2025
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1039 Reef Rd is low, with less than 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 99.1% of the US · lower than 99% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUARION-EASTERN FAIRFIELD COUNTY private · serves 351,756 people · EPA ID CT0150011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 24 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
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