995 Reef Rd, Fairfield, CT 06824 Property Records

Fairfield Town property record for 995 Reef Rd, Fairfield, CT 06824 · Last verified August 2026

Property Summary

Property Type	Duplex
Details	9 bd · 4 ba · 4,181 sqft · built 2021
Lot Size	0.234 acres (10,182 sqft)
Owner	Company Name on File
Last Sale	$600,000 (Jun 2020)
Tax Bill	$27,659 (2025)
Deeds & Mortgages	Feb 2021 Refinance Jan 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`FAIR M:183 B:16`

Property Details

APN / Parcel Number

Primary APN	`FAIR M:183 B:16`
Alternative APNs	`FFLD M:183 B:16` `M:183 L:016 X` `14587`

Interior

Bedrooms	9 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,181 sqft Living Area
Gross Area	6,726 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Unfinished Basement	200 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,182 sqft (0.234 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14587
Street Address	995 REEF RD
City	FAIRFIELD
State	CT
Zip	06824-6537
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	16
Jurisdiction	FAIRFIELD CT
Township / Civil Division	FAIRFIELD
Census Block Group	4
Census Block	4002
Census Tract	61500

Owner

Source: Fairfield Town records · APN FAIR M:183 B:16

Assessment roll updated June 25, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	236 COLONIAL DR, FAIRFIELD, CT 06824-6819
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRFIELD COUNTY BANK
Jan 20, 2020	Deed of Trust, Mortgage WILLIAM M RUARK
Mar 14, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 16, 2020 · Amount on Record
Deed Sale	Jun 16, 2020 · Amount on Record
Prior Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	20204224
Deed Book / Page	5928 / 214
Transfer Doc	1203000262
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	995 REEF RD, FAIRFIELD, CT 06824-6537
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006083-226
Date	Feb 22, 2021
Book Page	6083/226
Instrument	2021-1942

Lender

Name	FAIRFIELD COUNTY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	Mar 01, 2042

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD CT
Property Address	995 REEF RD, FAIRFIELD, CT 06824-6537
Document Number	5868-144
Instrument Date	Jan 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2020
Title Company	UNKNOWN

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1838 BLACK ROCK TPKE FAIRFIELD CT 068253500, FAIRFIELD, CT 06825-3500

Mortgage

Document Number	5868-144
Date	Jan 21, 2020
Book Page	005868/000144
Instrument	427

Lender

Name	WILLIAM M RUARK

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Jan 20, 2022

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD CT
Recording Date	Mar 14, 2019
Property Address	995 REEF RD, FAIRFIELD, CT 06824-6546
Document Number	5756-22
Book / Page	005756 / 000022
Instrument Date	Mar 08, 2019
Instrument	1495
Transaction Type	Transfer
Record Updated	Apr 02, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$475.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1838 BLACK ROCK TPKE FAIRFIELD CT 068253500, FAIRFIELD, CT 06825-3500

Tax Assessment & Valuation

Source: Fairfield Town records · Assessment roll updated June 25, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$27,659.00	$974,260 (-) Land $364,280 Building $609,980	$681,982 Land $254,996 Building $426,986
2024	$27,659.00 (+3.2%)
2023	$26,802.00	$974,260 Land $364,280 Building $609,980

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 09001C, updated November 28, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 340 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Frontier	Fiber	7,000 / 7,000
GoNetspeed	Fiber	2,000 / 2,000
Optimum Communications	Cable	940 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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