87 Charles St, Fairfield, CT 06824 Property Records

Fairfield Town property record for 87 Charles St, Fairfield, CT 06824

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,296 sqft · built 1954
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Apr 2003)
Tax Bill	$12,984 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`FAIR M:182 B:253`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:182 B:253`
Alternative APNs	`FFLD M:182 B:253` `M:182 L:253 X` `2033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
Gross Area	2,782 sqft
Basement Area	808 sqft
Unfinished Basement	808 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2033
Street Address	87 CHARLES ST
City	FAIRFIELD
State	CT
Zip	06824-6401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	253
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	2
Census Block	2010
Census Tract	61600

Owner

87 Charles St is owned and occupied by two individuals who bought it in April 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	87 CHARLES ST, FAIRFIELD, CT 06824-6401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 11, 2020	Deed of Trust, Mortgage · ARM NEAT CAPITAL INC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEAT CAP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2003 · Amount on File
Deed Sale	Apr 16, 2003 · Amount on File
Deed Book / Page	2851 / 291
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	87 CHARLES ST, FAIRFIELD, CT 06824-6401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5978-86
Date	Sep 11, 2020
Book Page	5978/86
Instrument	2020-7425

Lender

Name	NEAT CAPITAL INC

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	87 CHARLES ST, FAIRFIELD, CT 06824-6401
Document Number	5838-191
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	UNKNOWN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 CHARLES ST FAIRFIELD CT 068246401, FAIRFIELD, CT 06824-6401

Mortgage

Document Number	5838-191
Date	Oct 30, 2019
Book Page	005838/000191
Instrument	7298

Lender

Name	NEAT CAP INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 29, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 87 Charles St was $12,984, up 13.5% from the year before.

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	$12,984.00 (+13.53%)	$676,620 (+67.96%) Land $584,150 Building $92,470	$848,078 (+200.74%)
2025	$11,437.00	$402,850 Land $304,500 Building $98,350	$281,995 Land $213,150 Building $68,845
2024	$11,437.00 (+3.2%)
2023	$11,082.00	$402,850 Land $304,500 Building $98,350

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

Flood

FEMA maps place 87 Charles St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

The area around 87 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.

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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