18 Spruce St, Riverside, CT 06878 Property Records

Greenwich Town property record for 18 Spruce St, Riverside, CT 06878

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,818 sqft · built 1936
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,265,000 (May 2002)
Tax Bill	$17,901 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-2096S`

Property Details

APN / Parcel Number

Primary APN	`05-2096S`
Alternative APNs	`GREE M:05 B:2096/S` `409/142`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,818 sqft Living Area
Basement Area	1,282 sqft
Unfinished Basement	1,282 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1974
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	409/142
Street Address	18 SPRUCE ST
City	RIVERSIDE
State	CT
Zip	06878-2119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Block	2096/S
Jurisdiction	GREENWICH CT
Township / Civil Division	GREENWICH
Census Block Group	2
Census Block	2009
Census Tract	11100

Owner

Source: Greenwich 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	2 Individual Names on Record
Mailing Address	18 SPRUCE ST, RIVERSIDE, CT 06878-2119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Jun 28, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2002 · Amount on Record
Deed Sale	May 17, 2002 · Amount on Record
Prior Sale	Aug 1, 1997 · Amount on Record
Deed Book / Page	3860 / 307
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	18 SPRUCE ST, RIVERSIDE, CT 06878-2119
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007904-79
Date	Jun 4, 2021
Book Page	7904/79
Instrument	6474

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jun 1, 2028
Index	Other

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	18 SPRUCE ST, RIVERSIDE, CT 06878-2119
Document Number	7406-48
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Jul 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7406-48
Date	Jul 6, 2018
Book Page	007406/000048
Instrument	5392

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,901.00 (+7.49%)	$1,707,440 (+26.71%) Land $1,122,660 Building $584,780	$3,186,116 (+237.78%)
2025	$16,654.00	$1,347,500 (-) Land $874,650 Building $472,850	$943,250 Land $612,255 Building $330,995
2024	$16,654.00 (+6.21%)
2023	$15,680.00 (+0.92%)	$1,347,500 (-) Land $874,650 Building $472,850
2022	$15,537.00	$1,347,500 Land $874,650 Building $472,850

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

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 96% of the US · lower than 94% 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.

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

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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