435 Reef Rd, Fairfield, CT 06824 Property Records

Fairfield Town property record for 435 Reef Rd, Fairfield, CT 06824

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,294 sqft · built 1989
Lot Size	0.295 acres (12,866 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jul 2019)
Tax Bill	$10,893 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`M:182 L:133 X:(2)`

Property Details

APN / Parcel Number

Primary APN	`M:182 L:133 X:(2)`
Alternative APNs	`FFLD M:182 B:133 L:2` `FAIR M:182 B:133 L:2` `20846`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
Gross Area	3,660 sqft
Basement Area	924 sqft
Unfinished Basement	406 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,866 sqft (0.295 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	20846
Street Address	435 REEF RD
City	FAIRFIELD
State	CT
Zip	06824-6549
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	B
Legal Block	133
Legal Lot Number	2
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	4
Census Block	4016
Census Tract	61500

Owner

Source: Fairfield Town records, as of October 21, 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	435 REEF RD, FAIRFIELD, CT 06824-6549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage FM HOME LOANS LLC
Jul 19, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FM HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	Jul 12, 2016 · Amount on Record
Deed Document Number	20192019-4582
Deed Book / Page	5799 / 180
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	435 REEF RD, FAIRFIELD, CT 06824-6549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6016-260
Date	Nov 10, 2020
Book Page	6016/260
Instrument	2020-9904

Lender

Name	FM HOME LOANS LLC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jul 19, 2019
Property Address	435 REEF RD, FAIRFIELD, CT 06824-6549
Document Number	5799-180
Book / Page	5799 / 180
Instrument Date	Jul 12, 2019
Instrument	2019-4582
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

Mortgage

Document Number	20194583
Date	Jul 19, 2019
Instrument	2019-4583

Lender

Name	FM HOME LOANS LLC

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
2026	$10,893.00 (+14.92%)	$567,630 (+7%) Building $567,630	$852,316 (+264.66%)
2025	$9,479.00	$333,900 (-) Building $333,900	$233,730 Building $233,730
2024	$9,479.00 (+3.19%)
2023	$9,186.00	$333,900 Building $333,900

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 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

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	Not rated no burnable land within ember reach

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 464 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
GoNetspeed Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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