20 Ridge Rd, Centerbrook, CT 06409 Property Records

Essex Town property record for 20 Ridge Rd, Centerbrook, CT 06409

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,508 sqft · built 1962
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Nov 2020)
Tax Bill	$6,629 (2026)
Deeds & Mortgages	Apr 2022 Refinance Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ESSE M:55 B:006`

Property Details

APN / Parcel Number

Primary APN	`ESSE M:55 B:006`
Alternative APNs	`ESSX M:55 B:006` `00269100` `269100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,508 sqft Living Area
Gross Area	5,495 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	269100
Street Address	20 RIDGE RD
City	CENTERBROOK
State	CT
Zip	06409-1036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Block	6
Jurisdiction	ESSEX CT
Township / Civil Division	ESSEX
Census Block Group	2
Census Block	2000
Census Tract	630101

Owner

Source: Essex Town records, as of October 20, 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	20 RIDGE RD, CENTERBROOK, CT 06409-1036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Mar 19, 2021	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Sep 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Nov 10, 2020	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Oct 29, 2009 · Amount on Record
Deed Book / Page	337 / 1010
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX CT
Property Address	20 RIDGE RD, CENTERBROOK, CT 06409-1036
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000348-612
Date	Apr 28, 2022
Book Page	348/612

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX CT
Property Address	20 RIDGE RD, CENTERBROOK, CT 06409-1036
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000340-881
Date	Mar 19, 2021
Book Page	340/881

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX CT
Property Address	20 RIDGE RD, CENTERBROOK, CT 06409-1036
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000354-697
Date	Sep 28, 2023
Book Page	354/697

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX CT
Recording Date	Nov 10, 2020
Property Address	20 RIDGE RD, CENTERBROOK, CT 06409-1036
Document Number	337-1010
Book / Page	000337 / 001010
Instrument Date	Nov 4, 2020
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Tax	$305.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	WINDSOR CT MADISON CT 06437, MADISON, CT 06437

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Essex Town
Elementary School District	Essex School District (PK - 06)
Secondary School District	Regional School District 04 (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,629.00 (+3.38%)	$344,200 (-) Land $80,900 Building $263,300	$716,627 (+197.43%)
2025	$6,412.00	$344,200 (+74.1%) Land $80,900 Building $263,300	$240,940 Land $56,630 Building $184,310
2024	$6,412.00 (+43.57%)
2023	$4,466.00 (-0.82%)	$197,700 (-0.55%) Land $69,800 Building $127,900
2022	$4,503.00	$198,800 Land $69,800 Building $129,000

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
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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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