40 Armand Rd, Ridgefield, CT 06877 Property Records

Ridgefield Town property record for 40 Armand Rd, Ridgefield, CT 06877

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,217 sqft · built 1986
Lot Size	3.16 acres (137,650 sqft)
Owner	2 Trust Names on File
Last Sale	$925,000 (Jun 2018)
Tax Bill	$19,491 (2025)
Deeds & Mortgages	Jul 2026 Transfer Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D120003`

Property Details

APN / Parcel Number

Primary APN	`D120003`
Alternative APN	`RIDG M:D12 B:0003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,217 sqft Living Area
Basement Area	2,093 sqft
Unfinished Basement	1,293 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	137,650 sqft (3.16 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	D120003
Street Address	40 ARMAND RD
City	RIDGEFIELD
State	CT
Zip	06877-3035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Block	3
Jurisdiction	RIDGEFIELD CT
Township / Civil Division	RIDGEFIELD
Census Block Group	3
Census Block	3001
Census Tract	245600

Owner

40 Armand Rd is owner-occupied and held in a trust since June 2026.

Source: Ridgefield Town records, as of July 29, 2026

Owner of Record	2 Trust Names on File
Mailing Address	40 ARMAND RD, RIDGEFIELD, CT 06877-3035
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jul 8, 2026	Quit Claim Deed, Transfer Quitclaim
Aug 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK OF DANBURY
Jun 11, 2018	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on File
Deed Sale	Jun 11, 2018 · Amount on File
Prior Sale	Mar 13, 2008 · Amount on File
Deed Document Number	2018
Deed Book / Page	1062 / 695
Last Transfer Date	Jun 29, 2026
Transfer Doc	1193000503
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Jul 8, 2026
Property Address	40 ARMAND RD, RIDGEFIELD, CT 06877-3035
Document Number	1193000503
Book / Page	1193 / 503
Instrument Date	Jun 29, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ARMAND RD, RIDGEFIELD, CT 06877-3035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	40 ARMAND RD, RIDGEFIELD, CT 06877-3035
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1096-1104
Date	Aug 6, 2020
Book Page	1096/1104

Lender

Name	SAVINGS BANK OF DANBURY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Jun 11, 2018
Property Address	40 ARMAND RD, RIDGEFIELD, CT 06877-3035
Document Number	1062-695
Book / Page	1062 / 695
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$203.37
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	10620697
Date	Jun 11, 2018
Instrument	01062/0697

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 40 Armand Rd was $19,491.

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	$19,491.00	$711,620 Land $261,450 Building $450,170	$498,134 Land $183,015 Building $315,119
2024	$19,491.00 (+6.12%)
2023	$18,367.00 (-6.35%)	$711,620 (+3.15%) Land $261,450 Building $450,170
2022	$19,613.00	$689,860 Land $215,300 Building $474,560

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

Flood

FEMA maps place 40 Armand Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 40 Armand Rd is low, with a 0.02% annual chance of 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-RIDGEFIELD private · serves 7,476 people · EPA ID CT1180011
Water Source	Purchased surface water from AQUARION-EASTERN FAIRFIELD COUNTY
Last State Inspection	Jul 2023
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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