197 Ruane St, Fairfield, CT 06824 Property Records

Fairfield Town property record for 197 Ruane St, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,075 sqft · built 1964
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$517,000 (Dec 2018)
Tax Bill	$10,026 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`FAIR M:180 B:105`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:180 B:105`
Alternative APNs	`FFLD M:180 B:105` `M:180 L:105 X` `15146`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,075 sqft Living Area
Gross Area	2,538 sqft
Basement Area	728 sqft
Unfinished Basement	546 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	15146
Street Address	197 RUANE ST
City	FAIRFIELD
State	CT
Zip	06824-5839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	105
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	1
Census Block	1019
Census Tract	61600

Owner

197 Ruane St is owned and occupied by an individual who bought it in December 2018.

Source: Fairfield Town records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	197 RUANE ST, FAIRFIELD, CT 06824-5839
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Dec 11, 2018	Warranty Deed, Transfer · Conventional with PMI QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2018 · Amount on File
Deed Sale	Dec 11, 2018 · Amount on File
Prior Sale	Apr 1, 2011 · Amount on File
Deed Document Number	20182018-8043
Deed Book / Page	5731 / 313
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	197 RUANE ST, FAIRFIELD, CT 06824-5839
Document Number	5831-1
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 RUANE ST FAIRFIELD CT 068245839, FAIRFIELD, CT 06824-5839

Mortgage

Document Number	5831-1
Date	Oct 9, 2019
Book Page	005831/000001
Instrument	6779

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Dec 11, 2018
Property Address	197 RUANE ST, FAIRFIELD, CT 06824-5839
Document Number	5731-313
Book / Page	005731 / 000313
Instrument Date	Dec 6, 2018
Instrument	8043
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4333 AVALON GATES TRUMBULL CT 066115814, TRUMBULL, CT 06611-5814

Mortgage

Document Number	5731-315
Date	Dec 11, 2018
Book Page	005731/000315
Instrument	8044

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 197 Ruane St was $10,026.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,026.00	$353,150 Land $270,130 Building $83,020	$247,205 Land $189,091 Building $58,114
2024	$10,026.00 (+3.2%)
2023	$9,715.00	$353,150 Land $270,130 Building $83,020

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

Flood

FEMA maps place 197 Ruane 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

The area around 197 Ruane St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 422 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

May also be available: T-Mobile.

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