Fairfield Town property record for 186 James St, Fairfield, CT 06824
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,344 sqft · built 1941 |
| Lot Size | 0.159 acres (6,935 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $357,000 (Jan 2004) |
| Tax Bill | $10,227 (2025) |
| Deeds & Mortgages | Jun 2020 Refinance Jul 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | FAIR M:182 B:519 |
| Primary APN | FAIR M:182 B:519 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| Gross Area | 2,412 sqft |
| Basement Area | 540 sqft |
| Unfinished Basement | 540 sqft |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,935 sqft (0.159 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 9855 |
|---|---|
| Street Address | 186 JAMES ST |
| City | FAIRFIELD |
| State | CT |
| Zip | 06824-6474 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Block | 519 |
| Jurisdiction | FAIRFIELD CT |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 61600 |
186 James St is owned and occupied by two individuals who bought it in January 2004.
Source: Fairfield Town records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 JAMES ST, FAIRFIELD, CT 06824-6474 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC |
| Jul 10, 2017 | Deed of Trust, Mortgage PHH HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2004 · Amount on File |
| Deed Sale | Jan 30, 2004 · Amount on File |
| Prior Sale | Oct 15, 2002 · Amount on File |
| Deed Book / Page | 3170 / 255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Property Address | 186 JAMES ST, FAIRFIELD, CT 06824-6474 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5929-272 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 5929/272 |
| Instrument | 2020-4290 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Property Address | 186 JAMES ST, FAIRFIELD, CT 06824-6474 |
| Document Number | 5569-196 |
| Book / Page | 005569 / 000196 |
| Instrument Date | Jul 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2017 |
| Name | Verified Name |
|---|---|
| Address | 186 JAMES ST FAIRFIELD CT 068246474, FAIRFIELD, CT 06824-6474 |
| Document Number | 5569-196 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 005569/000196 |
| Instrument | 5023 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 13, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 186 James St was $10,227.
Source: Fairfield Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Fairfield Town |
| Unified School District | Fairfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,227.00 | $360,220 Land $302,190 Building $58,030 | $252,154 Land $211,533 Building $40,621 |
| 2024 | $10,227.00 (+3.2%) | ||
| 2023 | $9,910.00 | $360,220 Land $302,190 Building $58,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 James 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 risk around 186 James St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 507 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 |
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