651 River Rd, Cos Cob, CT 06807 Property Records

Greenwich Town property record for 651 River Rd, Cos Cob, CT 06807

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 5,656 sqft · built 2018
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on File
Last Sale	$3,075,000 (Sep 2020)
Tax Bill	$31,577 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-3267S`

Property Details

APN / Parcel Number

Primary APN	`12-3267S`
Alternative APNs	`GREE M:12 B:3267/S` `401`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	19 Rooms
Stories	2 Stories
Building Area	5,656 sqft Living Area
Attic	Attic
Attic Area	495 sqft
Basement Area	2,323 sqft
Unfinished Basement	2,323 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	401
Street Address	651 RIVER RD
City	COS COB
State	CT
Zip	06807-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Block	3267/S
Jurisdiction	GREENWICH CT
Township / Civil Division	GREENWICH
Census Block Group	3
Census Block	3002
Census Tract	10202

Owner

651 River Rd is owned and occupied by two individuals who bought it in September 2020.

Source: Greenwich Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	651 RIVER RD, COS COB, CT 06807-1908
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2018	Deed of Trust, Mortgage · Line of Credit FAIRFIELD COUNTY BANK
Sep 15, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Sep 21, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Sale	Sep 21, 2017 · Amount on File
Deed Document Number	20208012
Deed Book / Page	7737 / 239
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	651 RIVER RD, COS COB, CT 06807-1908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7348-141
Date	Feb 6, 2018
Book Page	7348/141

Lender

Name	FAIRFIELD COUNTY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	Sep 15, 2020
Property Address	651 RIVER RD, COS COB, CT 06807-1908
Document Number	7737-239
Book / Page	7737 / 239
Instrument Date	Aug 25, 2020
Instrument	8012
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	1500 HUDSON ST, HOBOKEN, NJ 07030-5590

Mortgage

Document Number	8013
Date	Sep 15, 2020
Instrument	8013

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	Sep 21, 2017
Property Address	651 RIVER RD, COS COB, CT 06807-1908
Document Number	7296-48
Book / Page	007296 / 000048
Transaction Type	Transfer
Record Updated	Oct 10, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	651 RIVER RD COS COB CT 068071908, COS COB, CT 06807-1908

Tax Assessment & Valuation

The 2026 property tax bill for 651 River Rd was $31,577, up 3.8% from the year before.

Source: Greenwich Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Greenwich Town
Unified School District	Greenwich School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$31,577.00 (+3.77%)	$3,011,890 (+22.32%) Land $906,920 Building $2,104,970	$5,065,438 (+193.89%)
2025	$30,431.00	$2,462,250 Land $755,790 Building $1,706,460	$1,723,575 Land $529,053 Building $1,194,522
2024	$30,431.00 (+6.21%)
2023	$28,651.00 (+0.92%)	$2,462,250 (-) Land $755,790 Building $1,706,460
2022	$28,390.00	$2,462,250 Land $755,790 Building $1,706,460

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 651 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 28, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 651 River Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 86% 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.

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 131 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

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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