78 Smith St, Fairfield, CT 06824 Property Records

Fairfield Town property record for 78 Smith St, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,019 sqft · built 2019
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jun 2024)
Tax Bill	$22,875 (2026)
Deeds & Mortgages	Aug 2024 Mortgage Sep 2024 Refinance + 3 more
Flood Zone	Zone AE (high risk)
APN	`FAIR M:182 B:227`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:182 B:227`
Alternative APNs	`FFLD M:182 B:227` `M:182 L:227 X` `3811`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,019 sqft Living Area
Gross Area	3,359 sqft
Basement Area	120 sqft
Finished Basement	120 sqft
Unfinished Basement	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3811
Street Address	78 SMITH ST
City	FAIRFIELD
State	CT
Zip	06824-6637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	227
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	4
Census Block	4007
Census Tract	61500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	187 KNAPPS HWY, FAIRFIELD, CT 06825-3737
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Deed of Trust, Mortgage · ARM TOTAL MORTGAGE SERVICES LLC
Sep 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance RCN CAPITAL LLC
Jun 3, 2025	Deed of Trust, Mortgage · Line of Credit PFS INC
Jun 24, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Mar 3, 2020	Deed of Trust, Mortgage · ARM UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2024 · Amount on Record
Deed Sale	Jun 24, 2024 · Amount on Record
Prior Sale	Aug 16, 2002 · Amount on Record
Deed Document Number	20242024-3109
Deed Book / Page	6516 / 200
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	78 SMITH ST, FAIRFIELD, CT 06824-6637
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006532-153
Date	Aug 16, 2024
Book Page	6532/153
Instrument	2024-4125

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jul 1, 2031
Index	Other

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRIDGEPORT CT
Property Address	78 SMITH ST, FAIRFIELD, CT 06824-6637
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	011259-232
Date	Sep 12, 2024
Book Page	11259/232
Instrument	17374

Lender

Name	RCN CAPITAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	78 SMITH ST, FAIRFIELD, CT 06824-6637
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	006614-145
Date	Jun 3, 2025
Book Page	6614/145
Instrument	2025-2539

Lender

Name	PFS INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2030
Index	1-Year CMT

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Jun 24, 2024
Property Address	78 SMITH ST, FAIRFIELD, CT 06824-6637
Document Number	006516-200
Book / Page	6516 / 200
Instrument Date	Jun 21, 2024
Instrument	2024-3109
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	187 KNAPPS HWY, FAIRFIELD, CT 06825-3737

Mortgage

Document Number	0020243110
Date	Jun 24, 2024
Instrument	2024-3110

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jul 1, 2031
Max Rate At Change	2.75%
Index	Other

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	78 SMITH ST, FAIRFIELD, CT 06824-6637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5882-334
Date	Mar 3, 2020
Book Page	5882/334
Instrument	2020-1449

Lender

Name	UBS BANK USA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Mar 1, 2027
Index	Other

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
2026	$22,875.00 (+9.12%)	$1,192,041 (+61.43%) Land $678,661 Building $513,380	$1,650,825 (+219.37%)
2025	$20,964.00	$738,430 (-) Land $261,310 Building $477,120	$516,901 Land $182,917 Building $333,984
2024	$20,964.00 (+3.2%)
2023	$20,314.00	$738,430 Land $261,310 Building $477,120

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 464 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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