109 Ruane St, Fairfield, CT 06824 Property Records

Fairfield Town property record for 109 Ruane St, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1908
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Jun 2021)
Tax Bill	$12,706 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`FAIR M:180 B:68`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:180 B:68`
Alternative APNs	`FFLD M:180 B:68` `M:180 L:068 X` `8863`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
Gross Area	2,307 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	8863
Street Address	109 RUANE ST
City	FAIRFIELD
State	CT
Zip	06824-5864
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DRD
Legal Block	68
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	1
Census Block	1010
Census Tract	61600

Owner

109 Ruane St is owned and occupied by an individual who bought it in June 2021.

Source: Fairfield Town records, as of October 21, 2026

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

Owner of Record	Individual Name on File
Mailing Address	109 RUANE ST, FAIRFIELD, CT 06824-5864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Jun 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Nov 21, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES UNITED BANK
May 1, 2017	Warranty Deed, Transfer · ARM WEBSTER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2021 · Amount on File
Deed Sale	Jun 3, 2021 · Amount on File
Prior Sale	May 1, 2017 · Amount on File
Deed Document Number	20212021-6205
Deed Book / Page	6153 / 45
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jun 3, 2021
Property Address	109 RUANE ST, FAIRFIELD, CT 06824-5864
Document Number	6153-45
Book / Page	6153 / 45
Instrument Date	May 27, 2021
Instrument	2021-6205
Transaction Type	Transfer
Record Updated	Jun 17, 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	225 STURGES RIDGE RD, WILTON, CT 06897-2727

Mortgage

Document Number	20216206
Date	Jun 3, 2021
Instrument	2021-6206

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jun 3, 2021
Property Address	109 RUANE ST, FAIRFIELD, CT 06824-5864
Document Number	0006153-45
Book / Page	6153 / 45
Instrument Date	May 27, 2021
Instrument	2021-6205
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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	225 STURGES RIDGE RD, WILTON, CT 06897-2727

Mortgage

Document Number	0020216206
Date	Jun 3, 2021
Instrument	2021-6206

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	109 RUANE ST, FAIRFIELD, CT 06824-5864
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5847-16
Date	Nov 21, 2019
Book Page	5847/16
Instrument	2019-7877

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	May 1, 2017
Property Address	109 RUANE ST, FAIRFIELD, CT 06824-5864
Document Number	5540-31
Book / Page	5540 / 31
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	$75.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	55400033
Date	May 1, 2017
Instrument	05540/0033

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Max Rate At Change	50.1%
Max Rate	2.13%

Tax Assessment & Valuation

The 2026 property tax bill for 109 Ruane St was $12,706, up 30.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,706.00 (+30.85%)	$662,130 (+93.59%) Land $511,980 Building $150,150	$1,006,775 (+320.52%)
2025	$9,710.00	$342,020 Land $269,220 Building $72,800	$239,414 Land $188,454 Building $50,960
2024	$9,710.00 (+3.2%)
2023	$9,409.00	$342,020 Land $269,220 Building $72,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Ruane St 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

The area around 109 Ruane St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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