165 Holmes Rd, Ridgefield, CT 06877 Property Records

Ridgefield Town property record for 165 Holmes Rd, Ridgefield, CT 06877

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,251 sqft · built 1969
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,649,900 (May 2025)
Tax Bill	$15,823 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D150149`

Property Details

APN / Parcel Number

Primary APN	`D150149`
Alternative APN	`RIDG M:D15 B:0149`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,251 sqft Living Area
Basement Area	1,800 sqft
Unfinished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	D150149
Street Address	165 HOLMES RD
City	RIDGEFIELD
State	CT
Zip	06877-4304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Block	149
Jurisdiction	RIDGEFIELD CT
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1005
Census Tract	245500

Owner

Source: Ridgefield Town records, as of September 30, 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	165 HOLMES RD, RIDGEFIELD, CT 06877-4304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
May 19, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Oct 11, 2024	Quit Claim Deed, Transfer Quitclaim
Sep 20, 2024	Warranty Deed, Transfer · Commercial Mortgage GLENSTONE LENDING LLC
Oct 6, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2025 · Amount on Record
Deed Sale	May 19, 2025 · Amount on Record
Prior Sale	Sep 20, 2024 · Amount on Record
Deed Book / Page	1178 / 61
Prior Transfer Date	Oct 4, 2024
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Recording Date	Sep 9, 2026
Property Address	165 HOLMES RD, RIDGEFIELD, CT 06877-4304
Document Number	1196000153
Book / Page	1196 / 153
Instrument Date	Sep 1, 2026
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 HOLMES RD, RIDGEFIELD, CT 06877-4304

Mortgage

Document Number	1196000153,
Date	Sep 9, 2026
Book Page	1196/153

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	May 19, 2025
Property Address	165 HOLMES RD, RIDGEFIELD, CT 06877-4304
Document Number	0001178-61
Book / Page	1178 / 61
Instrument Date	May 19, 2025
Transaction Type	Transfer
Record Updated	Jun 11, 2025
Title Company	NONE AVILABALE

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	0000117864
Date	May 19, 2025
Instrument	1178/64

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jun 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Oct 11, 2024
Property Address	165 HOLMES RD, RIDGEFIELD, CT 06877-4304
Document Number	001171-891
Book / Page	1171 / 891
Instrument Date	Oct 4, 2024
Transaction Type	Transfer
Record Updated	Oct 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2490 BLACK ROCK TPKE # 412, 412, FAIRFIELD, CT 06825-2400

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Sep 20, 2024
Property Address	165 HOLMES RD, RIDGEFIELD, CT 06877-4304
Document Number	0001171-97
Book / Page	1171 / 97
Instrument Date	Sep 17, 2024
Transaction Type	Transfer
Record Updated	Oct 3, 2024

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0001171100
Date	Sep 20, 2024
Instrument	1171/100

Lender

Name	GLENSTONE LENDING LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	001171-477
Date	Sep 27, 2024
Book Page	1171/477

Lender

Name	LUMANR LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	165 HOLMES RD, RIDGEFIELD, CT 06877-4304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1101-760
Date	Oct 6, 2020
Book Page	1101/760

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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	$15,823.00	$577,710 (-) Land $315,000 Building $262,710	$404,397 Land $220,500 Building $183,897
2024	$15,823.00 (+6.12%)
2023	$14,911.00 (+20.26%)	$577,710 (+32.46%) Land $315,000 Building $262,710
2022	$12,399.00	$436,140 Land $226,800 Building $209,340

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 November 28, 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AQUARION-RIDGEFIELD private · serves 7,476 people · EPA ID CT1180011
Water Source	Purchased surface water from AQUARION-EASTERN FAIRFIELD COUNTY
Last State Inspection	Jul 2023
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 133 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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