396 Midlock Rd, Fairfield, CT 06824 Property Records

Fairfield Town property record for 396 Midlock Rd, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,712 sqft · built 1997
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,340,000 (Jan 2019)
Tax Bill	$31,342 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`FAIR M:155 B:19-E`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:155 B:19-E`
Alternative APNs	`FFLD M:155 B:19-E` `M:155 L:019E X` `21330`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,712 sqft Living Area
Gross Area	11,768 sqft
Basement Area	2,598 sqft
Unfinished Basement	1,502 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,556 sqft (2.01 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	21330
Street Address	396 MIDLOCK RD
City	FAIRFIELD
State	CT
Zip	06824-7843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AAA
Legal Block	19-E
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	3
Census Block	3015
Census Tract	60300

Owner

Source: Fairfield 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 Individual Names on Record
Mailing Address	396 MIDLOCK RD, FAIRFIELD, CT 06824-7843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit CHELSEA GROTON BANK
Oct 16, 2020	Deed of Trust, Mortgage · Balloon Mortgage CHELSEA GROTON BANK
Jan 29, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2019 · Amount on Record
Deed Sale	Jan 29, 2019 · Amount on Record
Prior Sale	Jul 11, 1997 · Amount on Record
Deed Document Number	20192019-544
Deed Book / Page	5743 / 61
Transfer Doc	4726-276
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	396 MIDLOCK RD, FAIRFIELD, CT 06824-7843
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006461-134
Date	Nov 9, 2023
Book Page	6461/134
Instrument	2023-5437

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	396 MIDLOCK RD, FAIRFIELD, CT 06824-7843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6002-153
Date	Oct 16, 2020
Book Page	6002/153
Instrument	2020-8911

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jan 29, 2019
Property Address	396 MIDLOCK RD, FAIRFIELD, CT 06824-7843
Document Number	5743-61
Book / Page	5743 / 61
Instrument Date	Dec 19, 2018
Instrument	2019-544
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	37 FRANKLIN LN # 37, 37, FAIRFIELD, CT 06824-7825

Mortgage

Document Number	2019545
Date	Jan 29, 2019
Instrument	2019-545

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$31,342.00	$1,103,970 (-) Land $283,010 Building $820,960	$772,779 Land $198,107 Building $574,672
2024	$31,342.00 (+3.2%)
2023	$30,370.00	$1,103,970 Land $283,010 Building $820,960

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.

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 63 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

May also be available: Verizon.

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