89 Ridgewood Dr, Middlebury, CT 06762 Property Records

Middlebury Town property record for 89 Ridgewood Dr, Middlebury, CT 06762

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,802 sqft · built 2018
Owner	Individual Name on File
Last Sale	$323,880 (Feb 2019)
Tax Bill	$9,320 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:7-06 L:073 U:097`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:7-06 L:073 U:097`
Alternative APNs	`MDBY M:7-06 L:073 U:097` `80000146`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,802 sqft Living Area
Gross Area	3,862 sqft
1st Floor Area	1,041 sqft
Basement Area	1,041 sqft
Unfinished Basement	1,041 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	80000146
Street Address	89 RIDGEWOOD DR
City	MIDDLEBURY
State	CT
Zip	06762-2940
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Lot Number	73
Jurisdiction	MIDDLEBURY CT
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2001
Census Tract	344200

Owner

89 Ridgewood Dr, a condominium, is owned and occupied by an individual who bought it in February 2019.

Source: Middlebury Town records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	89 RIDGEWOOD DR, MIDDLEBURY, CT 06762-2940
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
Aug 14, 2026	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK
Oct 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORP
Mar 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Feb 11, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage TBI MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2019 · Amount on File
Deed Sale	Feb 11, 2019 · Amount on File
Prior Sale	Dec 8, 2008 · Amount on File
Deed Book / Page	303 / 1128
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Recording Date	Aug 14, 2026
Property Address	89 RIDGEWOOD DR, MIDDLEBURY, CT 06762-2940
Document Number	0000001138
Book / Page	354 / 792
Instrument Date	Jul 31, 2026
Instrument	20261138
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 RIDGEWOOD DR, MIDDLEBURY, CT 06762-2940

Mortgage

Document Number	0000001138,
Date	Aug 14, 2026
Book Page	354/792
Instrument	20261138

Lender

Name	LIBERTY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	89 RIDGEWOOD DR, MIDDLEBURY, CT 06762-2940
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000327-161
Date	Oct 20, 2021
Book Page	327/161
Instrument	2566

Lender

Name	BETTER MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEBURY CT
Property Address	89 RIDGEWOOD DR, MIDDLEBURY, CT 06762-2940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	311-686
Date	Mar 25, 2020
Book Page	311/686

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEBURY CT
Recording Date	Feb 11, 2019
Property Address	89 RIDGEWOOD DR, MIDDLEBURY, CT 06762-2940
Document Number	303-1128
Book / Page	303 / 1128
Instrument Date	Jan 28, 2019
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
Address	157 SLADE ST, OAKVILLE, CT 06779-1244

Mortgage

Document Number	3031133
Date	Feb 11, 2019
Instrument	303/1133

Lender

Name	TBI MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 89 Ridgewood Dr was $9,320.

Source: Middlebury Town assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Middlebury Town
Unified School District	Regional School District 15 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,320.00	$286,600 Building $286,600	$409,429 Building $409,429
2024	$9,320.00 (+0.8%)
2023	$9,246.00 (+3.2%)	$286,600 (-) Building $286,600
2022	$8,959.00	$286,600 Building $286,600

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

Flood

FEMA maps place 89 Ridgewood Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026

FEMA Flood Zone	Zone X minimal risk
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 89 Ridgewood Dr is low, with 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Frontier.

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