1089 Ratley Rd, West Suffield, CT 06093 Property Records

Suffield Town property record for 1089 Ratley Rd, West Suffield, CT 06093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,288 sqft · built 1962
Lot Size	1.77 acres (77,101 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Dec 2024)
Tax Bill	$4,906 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`R13038`

Property Details

APN / Parcel Number

Primary APN	`R13038`
Alternative APN	`SUFF M:00013 B:00015 L:00008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	2,976 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	77,101 sqft (1.77 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R13038
Street Address	1089 RATLEY RD
City	WEST SUFFIELD
State	CT
Zip	06093-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Block	15
Legal Lot Number	8
Jurisdiction	SUFFIELD CT
Township / Civil Division	SUFFIELD
Census Block Group	1
Census Block	1002
Census Tract	477200

Owner

Source: Suffield Town records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1089 RATLEY RD, WEST SUFFIELD, CT 06093-2402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2024 · Amount on Record
Deed Sale	Dec 18, 2024 · Amount on Record
Prior Sale	Aug 19, 2015 · Amount on Record
Deed Book / Page	592 / 1149
Transfer Doc	503-83
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFIELD CT
Recording Date	Dec 18, 2024
Property Address	1089 RATLEY RD, WEST SUFFIELD, CT 06093-2402
Document Number	00592-1149
Book / Page	592 / 1149
Instrument Date	Dec 17, 2024
Transaction Type	Transfer
Record Updated	Jan 2, 2025

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	2453790014
Date	Dec 18, 2024
Instrument	2453790014

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFIELD CT
Property Address	1089 RATLEY RD, WEST SUFFIELD, CT 06093-2402
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000562-483
Date	Jun 29, 2021
Book Page	562/483
Instrument	2337510013

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,906.00	$209,580 (+43.05%) Land $66,780 Building $142,800	$146,706 Land $46,746 Building $99,960
2024	$4,906.00 (+17.03%)
2023	$4,192.00	$146,510 (-) Land $66,780 Building $79,730
2022	$4,192.00	$146,510 Land $66,780 Building $79,730

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 29, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	Direct burnable vegetation

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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