345 Reef Rd, Fairfield, CT 06824 Property Records

Fairfield Town property record for 345 Reef Rd, Fairfield, CT 06824

Property Summary

Lot Size	1.02 acres (44,449 sqft)
Owner	2 Individual Names on File
Last Sale	$1,700,000 (Jun 2026)
Tax Bill	$139,069 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2022 Refinance + 15 more
Flood Zone	Zone AE (high risk)
APN	`FAIR M:182 B:215`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:182 B:215`
Alternative APNs	`FFLD M:182 B:215` `M:182 L:215 X` `7553`

Interior

Units	3 Units

Exterior

Architectural Style	Condo/Apartment
Lot Area	44,449 sqft (1.02 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	7553
Street Address	345 REEF RD
City	FAIRFIELD
State	CT
Zip	06824-6583
Property Category	Other
Property Type	Unknown
Local Zoning Code	NDBD
Legal Block	215
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	4
Census Block	4007
Census Tract	61500

Owner

Source: Fairfield Town records · APN FAIR M:182 B:215

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	333 UNQUOWA RD, 329, FAIRFIELD, CT 06824-5080
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 05, 2025	Deed of Trust, Mortgage · Line of Credit TOTAL MORTGAGE SERVICES LLC
Dec 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEWTOWN SAVINGS BANK
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit M & T BANK
Aug 28, 2025	Deed of Trust, Mortgage · Line of Credit M & T BANK
Apr 09, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 01, 2026	Warranty Deed, Transfer · Conventional Mortgage
Feb 10, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRFIELD COUNTY BANK
Sep 10, 2025	Warranty Deed, Transfer · Line of Credit M & T BANK
Jul 11, 2025	Warranty Deed, Transfer
May 30, 2025	Warranty Deed, Transfer
Apr 11, 2025	Warranty Deed, Transfer · Line of Credit 345 REEF ROAD LLC
Mar 19, 2025	Warranty Deed, Transfer
Jan 03, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage 345 REEF ROAD LLC
Jul 24, 2023	Warranty Deed, Construction Loan · Construction Mortgage MILLER ROSNICK DAMICO
May 26, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SECURE CAPITAL GROUP LLC
Jan 03, 2025	Warranty Deed, Transfer
Sep 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2026 · Amount on Record
Deed Sale	Jun 01, 2026 · Amount on Record
Prior Sale	Feb 10, 2026 · Amount on Record
Deed Document Number	20262026-2655
Deed Book / Page	6729 / 130
Prior Transfer Date	Jul 13, 2023
Prior Transfer Doc	0006434-89
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Transaction Type	Mortgage
Record Updated	Jul 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006643-154
Date	Sep 05, 2025
Book Page	6643/154
Instrument	2025-4532

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Transaction Type	Mortgage
Record Updated	Jul 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006381-175
Date	Dec 20, 2022
Book Page	6381/175
Instrument	2022-8255

Lender

Name	NEWTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Transaction Type	Mortgage
Record Updated	Jul 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006651-103
Date	Sep 30, 2025
Book Page	6651/103
Instrument	2025-5007

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Transaction Type	Mortgage
Record Updated	Jul 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006641-113
Date	Aug 28, 2025
Book Page	6641/113
Instrument	2025-4395

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Sep 01, 2032
Index	Other
Margin	3

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Transaction Type	Mortgage
Record Updated	Jul 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006598-241
Date	Apr 09, 2025
Book Page	6598/241
Instrument	2025-1567

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2040

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jun 01, 2026
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	006729-130
Book / Page	6729 / 130
Instrument Date	May 21, 2026
Instrument	20262655
Transaction Type	Transfer
Record Updated	Jun 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 with Right of Survivorship

Mortgage

Date	Jun 01, 2026

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Type Change Date	Jun 01, 2036
Index	Other
Margin	3
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Feb 10, 2026
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	006691-212
Book / Page	6691 / 212
Instrument Date	Feb 05, 2026
Instrument	2026-721
Transaction Type	Transfer
Record Updated	Jul 01, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	494 LALLEY BLVD, FAIRFIELD, CT 06824-6712

Mortgage

Document Number	0002026722
Date	Feb 10, 2026
Instrument	2026-722

Lender

Name	FAIRFIELD COUNTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Type Change Date	Mar 01, 2033
Index	Other

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Sep 10, 2025
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	0006645-41
Book / Page	6645 / 41
Instrument Date	Sep 09, 2025
Instrument	2025-4638
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 with Right of Survivorship
Address	70 HARVEST MOON RD, EASTON, CT 06612-1937

Mortgage

Document Number	0020254639
Date	Sep 10, 2025
Instrument	2025-4639

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 01, 2030
Index	Other
Margin	3

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jul 11, 2025
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	0006627-97
Book / Page	6627 / 97
Instrument Date	Jul 02, 2025
Instrument	2025-3397
Transaction Type	Transfer
Record Updated	Jun 23, 2026

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 with Right of Survivorship
Address	50 STONE RIDGE WAY APT 1F, 1F, FAIRFIELD, CT 06824-5387

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	May 30, 2025
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	0006613-29
Book / Page	6613 / 29
Instrument Date	May 22, 2025
Instrument	2025-2478
Transaction Type	Transfer
Record Updated	Jun 23, 2026

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 with Right of Survivorship

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Apr 11, 2025
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	0006599-27
Book / Page	6599 / 27
Instrument Date	Mar 17, 2025
Instrument	2025-1583
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	22 BRANT PT, SHELTON, CT 06484-6167

Mortgage

Document Number	0020251584
Date	Apr 11, 2025
Instrument	2025-1584

Lender

Name	345 REEF ROAD LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Mar 19, 2025
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	0006592-98
Book / Page	6592 / 98
Instrument Date	Mar 14, 2025
Instrument	2025-1170
Transaction Type	Transfer
Record Updated	Jun 23, 2026

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
Address	411 BIRCH RD, FAIRFIELD, CT 06824-6727

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jan 03, 2025
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	006575-318
Book / Page	6575 / 318
Instrument Date	Dec 31, 2024
Instrument	2025-28
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 with Right of Survivorship
Address	6 WOODS END LN, WESTON, CT 06883-1446

Mortgage

Document Number	0000202529
Date	Jan 03, 2025
Instrument	2025-29

Lender

Name	345 REEF ROAD LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jul 24, 2023
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	0006434-89
Book / Page	6434 / 89
Instrument Date	Jul 13, 2023
Instrument	2023-3505
Transaction Type	Construction Loan
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1087 BROAD ST, BRIDGEPORT, CT 06604-4261

Mortgage

Document Number	0020233506
Date	Jul 24, 2023
Instrument	2023-3506

Lender

Name	MILLER ROSNICK DAMICO

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	May 26, 2022
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	00006319-1
Book / Page	6319 / 1
Instrument Date	May 26, 2022
Instrument	2022-3773
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	211 HIGH RIDGE AVE, RIDGEFIELD, CT 06877-4419

Mortgage

Document Number	0020223774
Date	May 26, 2022
Instrument	2022-3774

Lender

Name	SECURE CAPITAL GROUP LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jan 03, 2025
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	006575-312
Book / Page	6575 / 312
Instrument Date	Dec 20, 2020
Instrument	2025-26
Transaction Type	Transfer
Record Updated	Jun 23, 2026

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
Address	50 BRUNETTO GRV, MORRIS, CT 06763-1127

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Sep 25, 2018
Property Address	345 REEF RD, FAIRFIELD, CT 06824-6583
Document Number	5711-73
Book / Page	005711 / 000073
Instrument Date	Sep 24, 2018
Instrument	6369
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	34 MAPLE ST NORWALK CT 068503815, NORWALK, CT 06850-3815

Tax Assessment & Valuation

Source: Fairfield Town records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$139,069.00	$4,898,530 (+296.55%) Land $1,235,290 Building $3,663,240	$3,428,971 Land $864,703 Building $2,564,268
2024	$139,069.00 (+309.23%)
2023	$33,983.00	$1,235,290 Land $1,235,290

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 28, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications 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 USA.

Based on FCC filings for 464 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AQUARION-EASTERN FAIRFIELD COUNTY private · serves 351,756 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.