94 Spectacle Ln, Ridgefield, CT 06877 Property Records

Ridgefield Town property record for 94 Spectacle Ln, Ridgefield, CT 06877

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,533 sqft · built 1980
Lot Size	2.02 acres (87,991 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,672,500 (Feb 2023)
Tax Bill	$31,597 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Feb 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`F190046`

Property Details

APN / Parcel Number

Primary APN	`F190046`
Alternative APN	`RIDG M:F19 B:0046`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,533 sqft Living Area
Basement Area	2,060 sqft
Unfinished Basement	2,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,991 sqft (2.02 acres)
Garage Type	Attached
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	F190046
Street Address	94 SPECTACLE LN
City	RIDGEFIELD
State	CT
Zip	06877-5715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Block	46
Jurisdiction	RIDGEFIELD CT
Township / Civil Division	RIDGEFIELD
Census Block Group	2
Census Block	2000
Census Tract	245400

Owner

Source: Ridgefield Town records, as of June 29, 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	94 SPECTACLE LN, RIDGEFIELD, CT 06877-5715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 17, 2023	Warranty Deed, Transfer · ARM GUARANTEED RATE INC
Jan 2, 2019	Deed of Trust, Mortgage US BANK NA
Jun 28, 2022	Warranty Deed, Transfer
Mar 27, 2017	Deed of Trust, Mortgage · Line of Credit UNITED BANK
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Prior Sale	Jun 28, 2022 · Amount on Record
Deed Book / Page	1153 / 731
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	94 SPECTACLE LN, RIDGEFIELD, CT 06877-5715
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001128-673
Date	Aug 24, 2021
Book Page	1128/673

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Feb 17, 2023
Property Address	94 SPECTACLE LN, RIDGEFIELD, CT 06877-5715
Document Number	001153-731
Book / Page	1153 / 731
Instrument Date	Feb 9, 2023
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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

Mortgage

Document Number	0001153737
Date	Feb 17, 2023
Instrument	1153/737

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Mar 1, 2033
Index	Other
Margin	3

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	94 SPECTACLE LN, RIDGEFIELD, CT 06877-5715
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001069-795
Date	Jan 2, 2019
Book Page	1069/795

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2048

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIDGEFIELD CT
Recording Date	Jun 28, 2022
Property Address	94 SPECTACLE LN, RIDGEFIELD, CT 06877-5715
Document Number	001144-928
Book / Page	1144 / 928
Instrument Date	Jun 21, 2022
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Amount	Amount Recorded
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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	94 SPECTACLE LN, RIDGEFIELD, CT 06877-5715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1045-564
Date	Mar 27, 2017
Book Page	1045/564

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIDGEFIELD CT
Property Address	94 SPECTACLE LN, RIDGEFIELD, CT 06877-5715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1049-660
Date	Jun 27, 2017
Book Page	1049/660

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$31,597.00	$1,153,600 (-) Land $402,640 Building $750,960	$807,520 Land $281,848 Building $525,672
2024	$31,597.00 (+6.12%)
2023	$29,774.00 (+35.5%)	$1,153,600 (+49.25%) Land $402,640 Building $750,960
2022	$21,974.00	$772,930 Land $332,630 Building $440,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

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

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