38 Old Mill Rd, Ridgefield, CT 06877 Property Records

Ridgefield Town property record for 38 Old Mill Rd, Ridgefield, CT 06877

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,754 sqft · built 1996
Lot Size	4.44 acres (193,406 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Jan 2019)
Tax Bill	$18,232 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`D030022`

Property Details

APN / Parcel Number

Primary APN	`D030022`
Alternative APN	`RIDG M:D03 B:0022`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,754 sqft Living Area
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	193,406 sqft (4.44 acres)
Garage Type	Attached
Pool Type	Pool with Hot Tub/Spa
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	D030022
Street Address	38 OLD MILL RD
City	RIDGEFIELD
State	CT
Zip	06877-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAAA
Legal Block	22
Jurisdiction	RIDGEFIELD CT
Township / Civil Division	RIDGEFIELD
Census Block Group	1
Census Block	1004
Census Tract	245200

Owner

Source: Ridgefield Town records, as of August 12, 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 Record
Mailing Address	38 OLD MILL RD, RIDGEFIELD, CT 06877-1332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage UNION SAVINGS BANK
Oct 8, 2025	Deed of Trust, Mortgage UNION SAVINGS BANK
Sep 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance UNION SAVINGS BANK
Apr 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNION SAVINGS BANK
Feb 24, 2021	Deed of Trust, Mortgage · Balloon Mortgage FAIRFIELD COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Deed Book / Page	1070 / 365
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Recording Date	Jul 22, 2026
Property Address	38 OLD MILL RD, RIDGEFIELD, CT 06877-1332
Document Number	1193001150
Book / Page	1193 / 1150
Instrument Date	Jul 17, 2026
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 OLD MILL RD, RIDGEFIELD, CT 06877-1332

Mortgage

Document Number	1193001150,
Date	Jul 22, 2026
Book Page	1193/1150

Lender

Name	UNION SAVINGS BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	38 OLD MILL RD, RIDGEFIELD, CT 06877-1332
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001183-753
Date	Oct 8, 2025
Book Page	1183/753

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	38 OLD MILL RD, RIDGEFIELD, CT 06877-1332
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001160-641
Date	Sep 19, 2023
Book Page	1160/641

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	38 OLD MILL RD, RIDGEFIELD, CT 06877-1332
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001142-200
Date	Apr 25, 2022
Book Page	1142/200

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	38 OLD MILL RD, RIDGEFIELD, CT 06877-1332
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1113-929
Date	Feb 24, 2021
Book Page	1113/929

Lender

Name	FAIRFIELD COUNTY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

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	$18,232.00	$665,630 (-) Land $227,780 Building $437,850	$465,941 Land $159,446 Building $306,495
2024	$18,232.00 (+6.12%)
2023	$17,180.00 (+2.25%)	$665,630 (+12.63%) Land $227,780 Building $437,850
2022	$16,802.00	$590,980 Land $175,220 Building $415,760

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AQUARION-SCODON private · serves 130 people · EPA ID CT1180041
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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