31 Harding Dr, Ridgefield, CT 06877 Property Records

Ridgefield Town property record for 31 Harding Dr, Ridgefield, CT 06877

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,925 sqft · built 2003
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Company Names on Record
Last Sale	$1,260,000 (Dec 2023)
Tax Bill	$22,384 (2025)
Deeds & Mortgages	Jan 2024 Refinance Apr 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C040026`

Property Details

APN / Parcel Number

Primary APN	`C040026`
Alternative APN	`RIDG M:C04 B:0026`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,925 sqft Living Area
Basement Area	2,215 sqft
Unfinished Basement	2,215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	C040026
Street Address	31 HARDING DR
City	RIDGEFIELD
State	CT
Zip	06877-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAAA
Legal Block	26
Jurisdiction	RIDGEFIELD CT
Township / Civil Division	RIDGEFIELD
Census Block Group	4
Census Block	4002
Census Tract	245600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	31 HARDING DR, RIDGEFIELD, CT 06877-1207
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Apr 10, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage 2012 AAA TRUST
Feb 16, 2021	Warranty Deed, Transfer · Line of Credit FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on Record
Deed Sale	Dec 5, 2023 · Amount on Record
Prior Sale	Feb 16, 2021 · Amount on Record
Deed Book / Page	1162 / 1066
Last Transfer Date	Mar 31, 2025
Transfer Doc	01176-1077
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	31 HARDING DR, RIDGEFIELD, CT 06877-1207
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001163-844
Date	Jan 9, 2024
Book Page	1163/844

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Apr 10, 2025
Property Address	31 HARDING DR, RIDGEFIELD, CT 06877-1207
Document Number	01176-1077
Book / Page	1176 / 1077
Instrument Date	Mar 31, 2025
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 HARDING DR, RIDGEFIELD, CT 06877-1207

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Dec 5, 2023
Property Address	31 HARDING DR, RIDGEFIELD, CT 06877-1207
Document Number	01162-1066
Book / Page	1162 / 1066
Instrument Date	Nov 15, 2023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0011621069
Date	Dec 5, 2023
Instrument	1162/1069

Lender

Name	2012 AAA TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Feb 16, 2021
Property Address	31 HARDING DR, RIDGEFIELD, CT 06877-1207
Document Number	0001113-84
Book / Page	1113 / 84
Instrument Date	Feb 9, 2021
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0000111387
Date	Feb 16, 2021
Instrument	1113/87

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$22,384.00	$817,250 (-) Land $220,500 Building $596,750	$572,075 Land $154,350 Building $417,725
2024	$22,384.00 (+6.12%)
2023	$21,093.00 (-1.62%)	$817,250 (+8.37%) Land $220,500 Building $596,750
2022	$21,440.00	$754,120 Land $157,500 Building $596,620

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	0.02% 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Frontier.

Cell Coverage

4G LTE only, no 5G reported

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