405 Midlock Rd, Fairfield, CT 06824 Property Records

Fairfield Town property record for 405 Midlock Rd, Fairfield, CT 06824 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,496 sqft · built 1997
Lot Size	2.28 acres (99,317 sqft)
Owner	2 Individual Names on File
Last Sale	$1,800,000 (Apr 2015)
Tax Bill	$31,880 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`FAIR M:155 B:19-B`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:155 B:19-B`
Alternative APNs	`FFLD M:155 B:19-B` `M:155 L:019B X` `21327`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	5,496 sqft Living Area
Gross Area	12,514 sqft
Basement Area	2,631 sqft
Unfinished Basement	1,531 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	Wood Shingle
Lot Area	99,317 sqft (2.28 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21327
Street Address	405 MIDLOCK RD
City	FAIRFIELD
State	CT
Zip	06824-7845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	19-B
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	3
Census Block	3015
Census Tract	60300

Owner

Source: Fairfield Town records · APN FAIR M:155 B:19-B

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	405 MIDLOCK RD, FAIRFIELD, CT 06824-7845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 08, 2022	Deed of Trust, Mortgage · ARM BAYCOAST MORTGAGE COMPANY
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit BAYCOAST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2015 · Amount on Record
Deed Sale	Apr 01, 2015 · Amount on Record
Prior Sale	Apr 01, 2004 · Amount on Record
Deed Book / Page	5248 / 165
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	405 MIDLOCK RD, FAIRFIELD, CT 06824-7845
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006372-66
Date	Nov 08, 2022
Book Page	6372/66
Instrument	2022-7534

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Index	1-Year CMT

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	405 MIDLOCK RD, FAIRFIELD, CT 06824-7845
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006465-161
Date	Nov 28, 2023
Book Page	6465/161
Instrument	2023-5745

Lender

Name	BAYCOAST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2043

Interest

Rate Type	Adjustable Rate

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	$31,880.00	$1,122,940 (-) Land $306,740 Building $816,200	$786,058 Land $214,718 Building $571,340
2024	$31,880.00 (+3.2%)
2023	$30,892.00	$1,122,940 Land $306,740 Building $816,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09001C, updated November 28, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of Connecticut
Wildfire Likelihood	About 1 in 5,263 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 63 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Frontier	Fiber	7,000 / 7,000
Optimum Communications	Cable	940 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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