Fairfield Town property record for 5 Ocean Reef Dr, Fairfield, CT 06824
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 1,600 sqft · built 1985 |
| Lot Size | 1.18 acres (51,770 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $649,900 (Nov 2022) |
| Tax Bill | $9,529 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Jul 2020 Refinance + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | M:183 L:155 X:(5) |
| Primary APN | M:183 L:155 X:(5) |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| Gross Area | 2,558 sqft |
| Basement Area | 536 sqft |
| Unfinished Basement | 536 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 51,770 sqft (1.18 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 20073 |
|---|---|
| Street Address | 5 OCEAN REEF DR |
| City | FAIRFIELD |
| State | CT |
| Zip | 06824-6553 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | DRD |
| Legal Block | 155 |
| Legal Lot Number | 5 |
| Jurisdiction | FAIRFIELD CT |
| Township / Civil Division | FAIRFIELD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 61600 |
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 | 5 OCEAN REEF DR, FAIRFIELD, CT 06824-6553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NBKC BANK |
| Jul 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NBKC BANK |
| Nov 7, 2022 | Warranty Deed, Transfer |
| Sep 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2022 · Amount on Record |
| Deed Sale | Nov 7, 2022 · Amount on Record |
| Prior Sale | Sep 24, 2018 · Amount on Record |
| Deed Document Number | 20222022-7471 |
| Deed Book / Page | 6371 / 159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Property Address | 5 OCEAN REEF DR, FAIRFIELD, CT 06824-6553 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0006217-29 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 6217/29 |
| Instrument | 2021-10312 |
| Name | NBKC BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Property Address | 5 OCEAN REEF DR, FAIRFIELD, CT 06824-6553 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005952-88 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 5952/88 |
| Instrument | 2020-5768 |
| Name | NBKC BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Recording Date | Nov 7, 2022 |
| Property Address | 5 OCEAN REEF DR, FAIRFIELD, CT 06824-6553 |
| Document Number | 006371-159 |
| Book / Page | 6371 / 159 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 2022-7471 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 OCEAN REEF DR, FAIRFIELD, CT 06824-6553 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAIRFIELD CT |
| Recording Date | Sep 24, 2018 |
| Property Address | 5 OCEAN REEF DR, FAIRFIELD, CT 06824-6553 |
| Document Number | 5710-256 |
| Book / Page | 005710 / 000256 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 6342 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $458.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 WEST AVE #440 NORWALK CT 068504043, 440, NORWALK, CT 06850-4043 |
| Document Number | 5710-259 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 005710/000259 |
| Instrument | 6343 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2048 |
Source: Fairfield Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Fairfield Town |
| Unified School District | Fairfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,529.00 (+16.43%) | $496,580 (+72.27%) Building $496,580 | $757,899 (+275.6%) |
| 2025 | $8,184.00 | $288,260 (-) Building $288,260 | $201,782 Building $201,782 |
| 2024 | $8,184.00 (+3.2%) | ||
| 2023 | $7,930.00 | $288,260 Building $288,260 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 340 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 |
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