316 Valley Rd, Cos Cob, CT 06807 Property Records

Greenwich Town property record for 316 Valley Rd, Cos Cob, CT 06807

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,814 sqft · built 1965
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$1,587,500 (Dec 2021)
Tax Bill	$12,085 (2026)
Deeds & Mortgages	Aug 2022 Refinance Aug 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-1552S`

Property Details

APN / Parcel Number

Primary APN	`08-1552S`
Alternative APNs	`GREE M:08 B:1552/S` `402/073`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,814 sqft Living Area
Basement Area	336 sqft
Unfinished Basement	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Basement
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	402/073
Street Address	316 VALLEY RD
City	COS COB
State	CT
Zip	06807-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Block	1552/S
Jurisdiction	GREENWICH CT
Township / Civil Division	GREENWICH
Census Block Group	3
Census Block	3007
Census Tract	10202

Owner

316 Valley Rd is owned and occupied by two individuals who acquired it in August 2022.

Source: Greenwich Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	316 VALLEY RD, COS COB, CT 06807-1813
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
Aug 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance QUORUM FEDERAL CU
Aug 19, 2022	Warranty Deed, Transfer · ARM RIDGEWOOD SAVINGS BANK
Dec 14, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FINANCE AMERICA LLC
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jan 22, 2018	Deed of Trust, Mortgage PHH HM LNS
Oct 11, 2017	Warranty Deed, Transfer PHH HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2021 · Amount on File
Deed Sale	Dec 14, 2021 · Amount on File
Prior Sale	Oct 11, 2017 · Amount on File
Deed Document Number	202113806
Deed Book / Page	8027 / 221
Last Transfer Date	Aug 15, 2022
Transfer Doc	0008148-83
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	316 VALLEY RD, COS COB, CT 06807-1813
Transaction Type	Mortgage
Record Updated	Jul 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008148-109
Date	Aug 19, 2022
Book Page	8148/109
Instrument	7664

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	Aug 19, 2022
Property Address	316 VALLEY RD, COS COB, CT 06807-1813
Document Number	0008148-83
Book / Page	8148 / 83
Instrument Date	Aug 15, 2022
Instrument	7662
Transaction Type	Transfer
Record Updated	Jul 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 VALLEY RD, COS COB, CT 06807-1813

Mortgage

Document Number	0000007663
Date	Aug 19, 2022
Instrument	7663

Lender

Name	RIDGEWOOD SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2029
Index	1-Year CMT

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	Dec 14, 2021
Property Address	316 VALLEY RD, COS COB, CT 06807-1813
Document Number	008027-221
Book / Page	8027 / 221
Instrument Date	Dec 10, 2021
Instrument	13806
Transaction Type	Transfer
Record Updated	Dec 30, 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	316 VALLEY RD, COS COB, CT 06807-1813

Mortgage

Document Number	0000013807
Date	Dec 14, 2021
Instrument	13807

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	316 VALLEY RD, COS COB, CT 06807-1813
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7258-20
Date	Jun 19, 2017
Book Page	7258/20
Instrument	38

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	316 VALLEY RD, COS COB, CT 06807-1813
Document Number	7343-191
Book / Page	007343 / 000191
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 VALLEY RD COS COB CT 068071813, COS COB, CT 06807-1813

Mortgage

Document Number	7343-191
Date	Jan 22, 2018
Book Page	007343/000191

Lender

Name	PHH HM LNS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	Oct 11, 2017
Property Address	316 VALLEY RD, COS COB, CT 06807-1813
Document Number	7303-184
Book / Page	007303 / 000184
Transaction Type	Transfer
Record Updated	Oct 31, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 VALLEY RD COS COB CT 068071813, COS COB, CT 06807-1813

Mortgage

Document Number	7303-187
Date	Oct 11, 2017
Book Page	007303/000187

Lender

Name	PHH HM LNS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 316 Valley Rd was $12,085, up 20.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,085.00 (+20.45%)	$1,152,690 (+41.99%) Land $529,270 Building $623,420	$2,523,819 (+344.14%)
2025	$10,033.00	$811,790 Land $393,470 Building $418,320	$568,253 Land $275,429 Building $292,824
2024	$10,033.00 (+6.21%)
2023	$9,446.00 (+1.42%)	$811,790 (+0.49%) Land $393,470 Building $418,320
2022	$9,314.00	$807,800 Land $393,470 Building $414,330

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

Flood

FEMA maps place 316 Valley Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 316 Valley Rd is low, with less than 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 96% of the US · lower than 94% of Connecticut
Wildfire Likelihood	Under 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.

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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	5,000 / 5,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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