196 Valley Rd, Cos Cob, CT 06807 Property Records

Greenwich Town property record for 196 Valley Rd, Cos Cob, CT 06807

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,180 sqft · built 2017
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,788,000 (May 2023)
Tax Bill	$17,775 (2025)
Deeds & Mortgages	Jul 2021 Refinance May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08A-1017S`

Property Details

APN / Parcel Number

Primary APN	`08A-1017S`
Alternative APNs	`GREE M:08A B:1017/S` `384/125`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,180 sqft Living Area
Basement Area	2,212 sqft
Unfinished Basement	2,212 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	384/125
Street Address	196 VALLEY RD
City	COS COB
State	CT
Zip	06807-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Block	1017/S
Jurisdiction	GREENWICH CT
Township / Civil Division	GREENWICH
Census Block Group	2
Census Block	2005
Census Tract	10202

Owner

Source: Greenwich Town records, as of June 25, 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	196 VALLEY RD, COS COB, CT 06807-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance VALLEY NATIONAL BANK
May 24, 2023	Warranty Deed, Transfer · ARM COMERICA BANK
Jun 11, 2018	Warranty Deed, Transfer VALLEY NATIONAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Jun 11, 2018 · Amount on Record
Deed Document Number	20232684
Deed Book / Page	8222 / 118
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	196 VALLEY RD, COS COB, CT 06807-2211
Transaction Type	Mortgage
Record Updated	Jul 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007934-277
Date	Jul 20, 2021
Book Page	7934/277
Instrument	8365

Lender

Name	VALLEY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	May 24, 2023
Property Address	196 VALLEY RD, COS COB, CT 06807-2211
Document Number	008222-118
Book / Page	8222 / 118
Instrument Date	May 15, 2023
Instrument	2684
Transaction Type	Transfer
Record Updated	Jul 25, 2024

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
Address	196 VALLEY RD, COS COB, CT 06807-2211

Mortgage

Document Number	0000002685
Date	May 24, 2023
Instrument	2685

Lender

Name	COMERICA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Jun 1, 2038
Index	Other
Margin	3

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	Jun 11, 2018
Property Address	196 VALLEY RD, COS COB, CT 06807-2211
Document Number	7394-99
Book / Page	7394 / 99
Instrument	4110
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.88
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	73940102
Date	Jun 11, 2018
Instrument	07394/0102

Lender

Name	VALLEY NATIONAL BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

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
2025	$17,775.00	$1,438,220 (+0.93%) Land $340,060 Building $1,098,160	$1,006,754 Land $238,042 Building $768,712
2024	$17,775.00 (+7.2%)
2023	$16,581.00 (+0.92%)	$1,424,990 (-) Land $340,060 Building $1,084,930
2022	$16,430.00	$1,424,990 Land $340,060 Building $1,084,930

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 99.1% of the US · lower than 99% 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

May also be available: Frontier.

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