447 Reef Rd, Fairfield, CT 06824 Property Records

Fairfield Town property record for 447 Reef Rd, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,972 sqft · built 1930
Lot Size	0.192 acres (8,370 sqft)
Owner	Company Name on File
Last Sale	$1,390,000 (Jul 2023)
Tax Bill	$12,699 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Refinance + 6 more
Flood Zone	Zone AE (high risk)
APN	`FAIR M:182 B:132`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:182 B:132`
Alternative APNs	`FFLD M:182 B:132` `M:182 L:132 X` `1892`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,972 sqft Living Area
Gross Area	4,592 sqft
Basement Area	986 sqft
Unfinished Basement	406 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,370 sqft (0.192 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1892
Street Address	447 REEF RD
City	FAIRFIELD
State	CT
Zip	06824-6549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	132
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	4
Census Block	4016
Census Tract	61500

Owner

Source: Fairfield Town assessment roll, 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	Company Name on File
Mailing Address	11 RED BARN RD, TRUMBULL, CT 06611-1060
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WEBSTER BANK
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Mar 13, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC
Feb 10, 2026	Quit Claim Deed, Transfer Quitclaim
Jul 20, 2023	Warranty Deed, Transfer
Apr 21, 2020	Deed of Trust, Mortgage · ARM FIRST COUNTY BANK
Oct 2, 2020	Deed of Trust, Mortgage · Balloon Mortgage EASTERN CT SAVINGS BANK
Oct 2, 2020	Deed of Trust, Mortgage · Balloon Mortgage EASTERN CT SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 20, 2023 · Amount on Record
Deed Sale	Jul 20, 2023 · Amount on Record
Prior Sale	Jul 15, 2016 · Amount on Record
Deed Document Number	20233413
Deed Book / Page	6432 / 338
Last Transfer Date	Jan 12, 2026
Transfer Doc	006691-262
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006245-261
Date	Nov 22, 2021
Book Page	6245/261
Instrument	2021-12132

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006245-246
Date	Nov 22, 2021
Book Page	6245/246
Instrument	2021-12131

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006590-267
Date	Mar 13, 2025
Book Page	6590/267
Instrument	2025-1082

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Feb 10, 2026
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Document Number	006691-262
Book / Page	6691 / 262
Instrument Date	Jan 12, 2026
Instrument	2026-732
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 RED BARN RD, TRUMBULL, CT 06611-1060

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jul 20, 2023
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Document Number	006432-338
Book / Page	6432 / 338
Instrument Date	Jul 19, 2023
Instrument	2023-3413
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
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
Address	295 MAIN ST S, WOODBURY, CT 06798-3408

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5899-178
Date	Apr 21, 2020
Book Page	5899/178
Instrument	2020-2511

Lender

Name	FIRST COUNTY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	May 1, 2030
Index	Other

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5992-299
Date	Oct 2, 2020
Book Page	5992/299
Instrument	2020-8351

Lender

Name	EASTERN CT SAVINGS BANK

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	447 REEF RD, FAIRFIELD, CT 06824-6549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5992-314
Date	Oct 2, 2020
Book Page	5992/314
Instrument	2020-8352

Lender

Name	EASTERN CT SAVINGS BANK

Agreement

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

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	$12,699.00	$447,300 (-12.44%) Land $308,140 Building $139,160	$313,110 Land $215,698 Building $97,412
2024	$12,699.00 (-9.64%)
2023	$14,054.00	$510,860 Land $346,990 Building $163,870

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

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 Communications 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 USA.

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