109 Smith St, Fairfield, CT 06824 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,003 sqft · built 2014
Lot Size	0.218 acres (9,492 sqft)
Owner	Individual Name on File
Last Sale	$1,285,000 (Jun 2014)
Tax Bill	$24,289 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`FAIR M:182 B:190`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:182 B:190`
Alternative APNs	`FFLD M:182 B:190` `M:182 L:190 X` `6949`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,003 sqft Living Area
Gross Area	6,009 sqft
Basement Area	1,228 sqft
Unfinished Basement	1,228 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,492 sqft (0.218 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	6949
Street Address	109 SMITH ST
City	FAIRFIELD
State	CT
Zip	06824-6636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	190
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	4
Census Block	4005
Census Tract	61500

Owner

109 Smith St is owned and occupied by an individual who bought it in June 2014.

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

Owner of Record	Individual Name on File
Mailing Address	109 SMITH ST, FAIRFIELD, CT 06824-6636
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK
Feb 24, 2021	Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK
Jul 5, 2017	Deed of Trust, Mortgage UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2014 · Amount on File
Deed Sale	Jun 30, 2014 · Amount on File
Prior Sale	Oct 28, 1989 · Amount on File
Deed Book / Page	5150 / 149
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	109 SMITH ST, FAIRFIELD, CT 06824-6636
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006425-238
Date	Jun 26, 2023
Book Page	6425/238
Instrument	2023-2922

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	109 SMITH ST, FAIRFIELD, CT 06824-6636
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006085-256
Date	Feb 24, 2021
Book Page	6085/256
Instrument	2021-2055

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 1, 2028
Index	Other

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	109 SMITH ST, FAIRFIELD, CT 06824-6636
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5566-8
Date	Jul 5, 2017
Book Page	5566/8

Lender

Name	UNITED BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 109 Smith St was $24,289.

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
2025	$24,289.00	$855,540 Land $273,910 Building $581,630	$598,878 Land $191,737 Building $407,141
2024	$24,289.00 (+3.2%)
2023	$23,536.00	$855,540 Land $273,910 Building $581,630

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

Flood

FEMA maps place 109 Smith St 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

The area around 109 Smith 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 464 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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