677 River Rd, Cos Cob, CT 06807 Property Records

Greenwich Town property record for 677 River Rd, Cos Cob, CT 06807

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,426 sqft · built 1984
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,338 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`12-3122S`

Property Details

APN / Parcel Number

Primary APN	`12-3122S`
Alternative APNs	`GREE M:12 B:3122/S` `400/003`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,426 sqft Living Area
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	400/003
Street Address	677 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	3122/S
Jurisdiction	GREENWICH CT
Township / Civil Division	GREENWICH
Census Block Group	3
Census Block	3002
Census Tract	10202

Owner

Source: Greenwich 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	677 RIVER RD, COS COB, CT 06807-1908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Jan 15, 2021	Warranty Deed, Transfer · ARM FIRST REPUBLIC BANK
Jan 15, 2021	Executor's Deed, Transfer
Sep 11, 2020	Personal Representative Deed, Transfer UNKNOWN
Feb 6, 2020	Trustee's Deed, Transfer UNKNOWN
Feb 6, 2020	Trustee's Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 29, 2020
Transfer Doc	7624-95
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENWICH CT
Property Address	677 RIVER RD, COS COB, CT 06807-1908
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007809-106
Date	Jan 15, 2021
Book Page	7809/106
Instrument	473

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Type Change Date	Feb 1, 2031
Index	1-Year CMT

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENWICH CT
Recording Date	Jan 15, 2021
Property Address	677 RIVER RD, COS COB, CT 06807-1908
Document Number	7809-104
Book / Page	7809 / 104
Instrument Date	Jan 14, 2021
Instrument	472
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	7809-106
Date	Jan 15, 2021
Book Page	7809/106
Instrument	473

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Type Change Date	Feb 1, 2031
Index	1-Year CMT

January 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	GREENWICH CT
Recording Date	Jan 15, 2021
Property Address	677 RIVER RD, COS COB, CT 06807-1908
Document Number	7809-102
Book / Page	7809 / 102
Instrument Date	Jan 14, 2021
Instrument	471
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CENTER BLVD, LONG ISLAND CITY, NY 11109

September 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GREENWICH CT
Recording Date	Sep 11, 2020
Property Address	677 RIVER RD, COS COB, CT 06807-1908
Document Number	7736-170
Book / Page	007736 / 000170
Instrument Date	Aug 19, 2020
Instrument	7918
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 RIVER RD COS COB CT 068071908, COS COB, CT 06807-1908

February 2020: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	GREENWICH CT
Recording Date	Feb 6, 2020
Property Address	677 RIVER RD, COS COB, CT 06807-1908
Document Number	7624-98
Book / Page	007624 / 000098
Instrument Date	Jan 29, 2020
Instrument	1079
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 RIVER RD COS COB CT 068071908, COS COB, CT 06807-1908

February 2020: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	GREENWICH CT
Recording Date	Feb 6, 2020
Property Address	677 RIVER RD, COS COB, CT 06807-1908
Document Number	7624-95
Book / Page	007624 / 000095
Instrument Date	Jan 29, 2020
Instrument	1078
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 RIVER RD COS COB CT 068071908, COS COB, CT 06807-1908

Tax Assessment & Valuation

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	$13,338.00 (+3.31%)	$1,272,250 (+21.78%) Land $890,820 Building $381,430	$2,021,018 (+176.37%)
2025	$12,911.00	$1,044,680 (-) Land $742,350 Building $302,330	$731,276 Land $519,645 Building $211,631
2024	$12,911.00 (+6.21%)
2023	$12,156.00 (+0.92%)	$1,044,680 (-) Land $742,350 Building $302,330
2022	$12,045.00	$1,044,680 Land $742,350 Building $302,330

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 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

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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