Greenwich Town property record for 186 Lake Ave, Greenwich, CT 06830
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 9 ba · 6,912 sqft · built 2004 |
| Lot Size | 1.23 acres (53,579 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $4,300,000 (Feb 2015) |
| Tax Bill | $41,288 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Jan 2024 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-2334S |
| Primary APN | 10-2334S |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 9 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 16 Rooms |
| Stories | 2 Stories |
| Building Area | 6,912 sqft Living Area |
| Attic | Attic |
| Attic Area | 600 sqft |
| Basement Area | 2,826 sqft |
| Unfinished Basement | 2,826 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 53,579 sqft (1.23 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 246/061 |
|---|---|
| Street Address | 186 LAKE AVE |
| City | GREENWICH |
| State | CT |
| Zip | 06830-4518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-2 |
| Legal Block | 2334/S |
| Jurisdiction | GREENWICH CT |
| Township / Civil Division | GREENWICH |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 10300 |
186 Lake Ave is owned and occupied by two individuals who bought it in February 2015.
Source: Greenwich Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 LAKE AVE, GREENWICH, CT 06830-4518 |
| 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.
| Date | Document |
|---|---|
| Mar 24, 2022 | Deed of Trust, Mortgage · ARM CITIBANK NA |
| Jan 3, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jan 6, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2015 · Amount on File |
| Deed Sale | Feb 13, 2015 · Amount on File |
| Prior Sale | Feb 13, 2004 · Amount on File |
| Deed Book / Page | 6851 / 222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENWICH CT |
| Property Address | 186 LAKE AVE, GREENWICH, CT 06830-4518 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 008080-155 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 8080/155 |
| Instrument | 2699 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.63% |
| Type Change Date | Feb 1, 2029 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENWICH CT |
| Property Address | 186 LAKE AVE, GREENWICH, CT 06830-4518 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 008289-197 |
|---|---|
| Date | Jan 3, 2024 |
| Book Page | 8289/197 |
| Instrument | 51 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENWICH CT |
| Property Address | 186 LAKE AVE, GREENWICH, CT 06830-4518 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0008398-12 |
|---|---|
| Date | Jan 6, 2025 |
| Book Page | 8398/12 |
| Instrument | 43 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2049 |
The 2026 property tax bill for 186 Lake Ave was $41,288, up 0.9% from the year before.
Source: Greenwich Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Greenwich Town |
| Unified School District | Greenwich School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,288.00 (+0.93%) | $3,938,200 (+18.98%) Land $1,225,840 Building $2,712,360 | $6,850,806 (+195.68%) |
| 2025 | $40,908.00 | $3,309,950 Land $1,011,570 Building $2,298,380 | $2,316,965 Land $708,099 Building $1,608,866 |
| 2024 | $40,908.00 (+6.73%) | ||
| 2023 | $38,327.00 (+0.92%) | $3,293,850 (-) Land $1,011,570 Building $2,282,280 | |
| 2022 | $37,978.00 | $3,293,850 Land $1,011,570 Building $2,282,280 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Lake Ave in Zone X, an area of minimal flood risk.
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 risk around 186 Lake Ave 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 97% of the US · lower than 95% 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 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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