278 Ruane St, Fairfield, CT 06824 Property Records

Fairfield Town property record for 278 Ruane St, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 1,553 sqft · built 1939
Lot Size	0.199 acres (8,650 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Nov 2017)
Tax Bill	$11,228 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`FAIR M:182 B:854`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:182 B:854`
Alternative APNs	`FFLD M:182 B:854` `M:182 L:854 X` `3887`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,553 sqft Living Area
Gross Area	2,696 sqft
Basement Area	644 sqft
Unfinished Basement	276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,650 sqft (0.199 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3887
Street Address	278 RUANE ST
City	FAIRFIELD
State	CT
Zip	06824-5858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	854
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	1
Census Block	1011
Census Tract	61600

Owner

278 Ruane St is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	278 RUANE ST, FAIRFIELD, CT 06824-5858
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
Feb 17, 2021	Deed of Trust, Mortgage · Balloon Mortgage US BANK NA
Nov 14, 2017	Warranty Deed, Transfer UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on File
Deed Sale	Nov 14, 2017 · Amount on File
Prior Sale	Jun 24, 2015 · Amount on File
Deed Book / Page	5612 / 191
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	278 RUANE ST, FAIRFIELD, CT 06824-5858
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006081-143
Date	Feb 17, 2021
Book Page	6081/143
Instrument	2021-1768

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Nov 14, 2017
Property Address	278 RUANE ST, FAIRFIELD, CT 06824-5858
Document Number	5612-191
Book / Page	5612 / 191
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	$97.74
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56120194
Date	Nov 14, 2017
Instrument	05612/0194

Lender

Name	UNITED BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 278 Ruane St was $11,228.

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	$11,228.00	$395,500 Land $279,090 Building $116,410	$276,850 Land $195,363 Building $81,487
2024	$11,228.00 (+3.2%)
2023	$10,880.00	$395,500 Land $279,090 Building $116,410

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

Flood

FEMA maps place 278 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 278 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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