20 Howard St, Fairfield, CT 06824 Property Records

Fairfield Town property record for 20 Howard St, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,075 sqft · built 1951
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$830,000 (May 2025)
Tax Bill	$9,609 (2025)
Deeds & Mortgages	Oct 2021 Refinance May 2025 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`FAIR M:182 B:292`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:182 B:292`
Alternative APNs	`FFLD M:182 B:292` `M:182 L:292 X` `11967`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,075 sqft Living Area
Gross Area	2,472 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11967
Street Address	20 HOWARD ST
City	FAIRFIELD
State	CT
Zip	06824-6404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	292
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	2
Census Block	2000
Census Tract	61600

Owner

20 Howard St is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 HOWARD ST, FAIRFIELD, CT 06824-6404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Oct 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MARY MCQUILLAN
May 1, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Jan 25, 2022	Executor's Deed, Transfer
Dec 24, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance KATHLEEN MCQUILLAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2025 · Amount on File
Deed Sale	May 1, 2025 · Amount on File
Prior Sale	Jan 25, 2022 · Amount on File
Deed Document Number	20252025-1961
Deed Book / Page	6604 / 309
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	20 HOWARD ST, FAIRFIELD, CT 06824-6404
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006227-25
Date	Oct 14, 2021
Book Page	6227/25
Instrument	2021-10948

Lender

Name	MARY MCQUILLAN

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	May 1, 2025
Property Address	20 HOWARD ST, FAIRFIELD, CT 06824-6404
Document Number	006604-309
Book / Page	6604 / 309
Instrument Date	May 1, 2025
Instrument	2025-1961
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
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 with Right of Survivorship
Address	20 HOWARD ST, FAIRFIELD, CT 06824-6404

Mortgage

Document Number	0020251962
Date	May 1, 2025
Instrument	2025-1962

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jan 25, 2022
Property Address	20 HOWARD ST, FAIRFIELD, CT 06824-6404
Document Number	006272-134
Book / Page	6272 / 134
Instrument Date	Jan 20, 2022
Instrument	2022-648
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount 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

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	20 HOWARD ST, FAIRFIELD, CT 06824-6404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5735-42
Date	Dec 24, 2018
Book Page	5735/42
Instrument	2018-8306

Lender

Name	KATHLEEN MCQUILLAN

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Howard St was $9,609.

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	$9,609.00	$338,450 Land $286,230 Building $52,220	$236,915 Land $200,361 Building $36,554
2024	$9,609.00 (+3.2%)
2023	$9,311.00	$338,450 Land $286,230 Building $52,220

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20 Howard 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 20 Howard 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 464 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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