21 Ridge Rd, Centerbrook, CT 06409 Property Records

Essex Town property record for 21 Ridge Rd, Centerbrook, CT 06409

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,170 sqft · built 1966
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$309,000 (Aug 2019)
Tax Bill	$4,418 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ESSE M:55 B:007`

Property Details

APN / Parcel Number

Primary APN	`ESSE M:55 B:007`
Alternative APNs	`ESSX M:55 B:007` `00276000` `276000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	3,026 sqft
Basement Area	1,508 sqft
Unfinished Basement	1,094 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	276000
Street Address	21 RIDGE RD
City	CENTERBROOK
State	CT
Zip	06409-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Block	7
Jurisdiction	ESSEX CT
Township / Civil Division	ESSEX
Census Block Group	2
Census Block	2000
Census Tract	630101

Owner

21 Ridge Rd is owned and occupied by an individual who bought it in August 2019.

Source: Essex Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	21 RIDGE RD, CENTERBROOK, CT 06409-1035
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 12, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage LIBERTY BANK
Aug 1, 2019	Warranty Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on File
Deed Sale	Aug 1, 2019 · Amount on File
Prior Sale	Aug 1, 2019 · Amount on File
Deed Book / Page	329 / 566
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX CT
Property Address	21 RIDGE RD, CENTERBROOK, CT 06409-1035
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00361-1056
Date	Sep 12, 2025
Book Page	361/1056

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX CT
Recording Date	Aug 1, 2019
Property Address	21 RIDGE RD, CENTERBROOK, CT 06409-1035
Document Number	329-566
Book / Page	329 / 566
Instrument Date	Jul 19, 2019
Transaction Type	Transfer
Record Updated	May 21, 2021

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
Address	21 RIDGE RD, CENTERBROOK, CT 06409-1035

Mortgage

Document Number	329569
Date	Aug 1, 2019
Instrument	329/569

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX CT
Recording Date	Aug 1, 2019
Property Address	21 RIDGE RD, CENTERBROOK, CT 06409-1035
Document Number	329-563
Book / Page	000329 / 000563
Instrument Date	Jun 5, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	UNKNOWN

Transaction

Amount	Amount on Record
Tax	$309.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21 RIDGE RD CENTERBROOK CT 064091035, CENTERBROOK, CT 06409-1035

Tax Assessment & Valuation

The 2026 property tax bill for 21 Ridge Rd was $4,418, up 3.4% from the year before.

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	$4,418.00 (+3.37%)	$229,400 (-) Land $81,600 Building $147,800	$469,503 (+192.38%)
2025	$4,274.00	$229,400 Land $81,600 Building $147,800	$160,580 Land $57,120 Building $103,460
2024	$4,274.00 (+16.14%)
2023	$3,680.00 (-0.27%)	$162,900 (-) Land $70,400 Building $92,500
2022	$3,690.00	$162,900 Land $70,400 Building $92,500

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

Flood

FEMA maps place 21 Ridge Rd 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

Wildfire risk around 21 Ridge Rd is low, with 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 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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