644 Reef Rd, Fairfield, CT 06824 Property Records

Fairfield Town property record for 644 Reef Rd, Fairfield, CT 06824

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 3,148 sqft · built 1999
Lot Size	0.265 acres (11,542 sqft)
Owner	Company Name on Record
Last Sale	$923,000 (Nov 2020)
Tax Bill	$17,284 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jan 2021 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`FAIR M:183 B:176`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:183 B:176`
Alternative APNs	`FFLD M:183 B:176` `M:183 L:176 X` `4104`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,148 sqft Living Area
Gross Area	4,467 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,542 sqft (0.265 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4104
Street Address	644 REEF RD
City	FAIRFIELD
State	CT
Zip	06824-6576
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	B
Legal Block	176
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	2
Census Block	2006
Census Tract	61600

Owner

Source: Fairfield Town records, as of June 29, 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 Record
Mailing Address	11 RED BARN RD, TRUMBULL, CT 06611-1060
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2018	Deed of Trust, Mortgage CITIBANK NA
Jan 7, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 7, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance PATRIOT BANK
Nov 30, 2020	Warranty Deed, Transfer SECURE CAP GRP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Mar 25, 2010 · Amount on Record
Deed Document Number	20202020-10703
Deed Book / Page	6028 / 310
Last Transfer Date	Dec 30, 2020
Transfer Doc	0006054-84
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	644 REEF RD, FAIRFIELD, CT 06824-6576
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5681-320
Date	Jun 29, 2018
Book Page	5681/320

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jan 7, 2021
Property Address	644 REEF RD, FAIRFIELD, CT 06824-6576
Document Number	6054-84
Book / Page	6054 / 84
Instrument Date	Dec 30, 2020
Instrument	2021-210
Transaction Type	Transfer
Record Updated	May 21, 2021

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 BERN DR # BED, BED, STRATFORD, CT 06614-1802

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jan 7, 2021
Property Address	644 REEF RD, FAIRFIELD, CT 06824-6576
Document Number	0006054-84
Book / Page	6054 / 84
Instrument Date	Dec 30, 2020
Instrument	2021-210
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 BERN DR # BED, BED, STRATFORD, CT 06614-1802

Mortgage

Document Number	0006054-87
Date	Jan 7, 2021
Book Page	6054/87
Instrument	2021-211

Lender

Name	PATRIOT BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Nov 30, 2020
Property Address	644 REEF RD, FAIRFIELD, CT 06824-6576
Document Number	6028-310
Book / Page	006028 / 000310
Instrument Date	Nov 17, 2020
Instrument	10703
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	UNKNOWN

Transaction

Amount	Amount Recorded
Tax	$923.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 RED BARN RD TRUMBULL CT 066111060, TRUMBULL, CT 06611-1060

Mortgage

Document Number	6029-1
Date	Nov 30, 2020
Book Page	006029/000001
Instrument	10705

Lender

Name	SECURE CAP GRP LLC

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Nov 29, 2022

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	$17,284.00	$608,790 (-) Land $331,030 Building $277,760	$426,153 Land $231,721 Building $194,432
2024	$17,284.00 (+3.2%)
2023	$16,748.00	$608,790 Land $331,030 Building $277,760

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 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

644 Reef Rd, Fairfield, CT 06824 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Reef Rd

Nearby Streets

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