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Greenwich Julianne C. Ward Welcomes You to







32 Field Point Road, Greenwich, Ct 06830 Tel: 203 454-9430 Fax: 203 485-0262 www.cleareinteriors.com follow the designer on

Welcome to

Greenwich I

Julianne C. Ward

Executive Director of Sales

Berkshire Hathaway HomeServices New England Properties 136 East Putnam Avenue Greenwich, CT 06830 (203) 231-1064 Email: juliannecward@gmail.com Website: www.julianneward.com

am pleased to welcome you to Greenwich and to offer you this informational resource guide as an overview of our extraordinary community. It was designed to make your move easier and answer some of your questions about Greenwich and the surrounding areas. The town of Greenwich has approximately 61,000 residents and covers approximately 50 square miles. Within that area, there are different neighborhoods, such as Riverside, Old Greenwich, Cos Cob, Glenville and Byram. Some have their own train stations, post offices, schools and public libraries, but all are part of the town of Greenwich and are served by the same government and town services. Greenwich is an idyllic blend of residential neighborhoods, corporate offices, outstanding schools, and exciting cultural, artistic and recreational activities—as well as exceptional restaurants and shopping—all within 50 minutes of New York City by car or train. All residents can enjoy more than 1,500 acres of park land, public and private golf courses and four sandy beaches, two of which are on an island accessible by town ferries. The expanded library and hospital were gifts from Greenwich residents. The world-class Bruce Museum offers changing exhibitions and educational programs highlighting art, science and natural history to approximately 100,000 visitors annually. Greenwich also has 26 non-profit charity agencies, which support the town with their social services and cultural institutions. As a resident and professional REALTOR® for 28 years, I welcome you, your family and friends to my town. I am here to ease you through your transition period—please don’t hesitate to call me with any questions that you might have. I would be honored to assist you in your search for a new home, or in selling your existing home, while providing a welcome that lasts a lifetime. Sincerely,

Julianne (Jules)

Please scan to see my listings. 1

About Julianne C. Ward st 28 years, dustry for the la in te ta es al re e qualities of a s a leader in th es the essential ss se os p d ar W of the . Julianne C nsive knowledge te ex er H . al n ry io ss and present luxu high level profe n io it os p ly er p ro enables her to p ket. affluent market competitive mar ly h ig h a in s te erself by esta differentiated h properties and as h e n an li Ju , to career e with attention ic rv se Throughout her c ti en th The level ighest level of au ost exact needs. m providing the h ’ ts n ie cl er h ent deration of d by the consist ce en id ev detail and consi as d se tion is unsurpas nts. of client satisfac p s and re eat clie the top es n si u b al rr fe ed for ranking in iz flow of re gn co re y tl en n consist vices sales Julianne has bee haway HomeSer at H e ir h ks er B nt of half of one perce merica. ard ghout North A dorse Julianne W en associates throu lly ca ti as si u to enth service It is my pleasure t intense level of os m e th h it w clients owerful to provide our sources of our p re e th g in in b e superior om ervices, with th and expertise. C eS om H ay aw h hire Hat exceed the company, Berks will promise to , d ar W e n an li Ju ntele. representation by criminating clie is d t os m r ou expectations of s, - Candace Adam O President & CE ties England Proper ew N s ce vi er eS away Hom Berkshire Hath


Professional Credentials:

4 Member BHHS Chairman’s Circle Diamond - Top ½ percent of BHHS agents nationwide 4 Member Greenwich Board of REALTORS® and MLS 4M  ember National Association of REALTORS® 4 Member Connecticut Association of REALTORS® and CMLS 4 Member realtor.com®

Areas of Expertise:

4 Management, sales, listing and building 4 Buyer broker 4 New construction expert and consultant 4 First-time homebuyers counselor 4 Relocation listing and sales expert 4 Luxury Collection Specialist and Certified International Property Specialist

4 No. 5 Sales Executive Berkshire Hathaway North America 2014 4 No. 1 Sales Executive Berkshire Hathaway Northeast 2014 2

Business Philosophy:

4 Dedicated to superior quality in the service and marketing of residential properties 4 Expert negotiator on listing and buyer sides of transaction 4 Leadership in technology integration, local advertising, marketing strategies 4 Assured confidentiality and integrity in the personal management of the financial and real estate portfolios of clientele 4 Continued consultant/management advice for long-term client relationships—extending beyond a single point of sale

Contents Julianne C. Ward Welcomes You to Greenwich I am pleased to offer you this resource guide, which includes information on the town as well as companies and professionals whose services you may wish to take advantage of before and after you purchase or sell your residence in Greenwich and nearby towns. Sincerely,

Julianne C. Ward (203) 231-1064 Email: juliannecward@gmail.com Website: www.julianneward.com

1 Welcome to Greenwich 2 About Julianne C. Ward 4 Business Index 6 History of Greenwich 10  Greenwich: A Mixture of 14 An

Culture, Social Activities and Beautiful Surroundings Villages of Greenwich

16 Town Government 18 Public Education 20  Independent Schools in 22 28 30 32

Publication • rismedia.com

Fairfield County

Parks & Recreation Clubs & Organizations Golf

34 Typical Closing Costs 36  Buyer’s Guide for Properties in Flood-Hazard Zones

38  Greenwich’s Green Space Regulations

40 Real Estate Terms 44  Advertisers



Front Cover: Shoreline of Riverside to Tod’s Point © Stanley Jesudowich Above Center: Back country barn, Courtesy Julianne C. Ward


Business Index Mulberry Street Appraisals.................. 47

Westwood Flooring & Design Center..................................... 39

MDF Painting & Power Washing LLC............................ 29


Garbage Removal

Party Planning

Daniel Conlon Architects...................... 9 Charles Hilton Architects.....................BC

Greenwich Refuse & Recycling............ 43

Tor Sporre........................................... 47

Generators (Electric)

Personal Home Care

Asbestos Abatement

Comfort Keepers................................. 29

HomeGuard Environmental................ 19

Annibal Services.................................. 13 Weigold Electric Inc............................ 27

Assisted Living

Granite & Marble

NuTech Pest Control........................... 47


Paul’s Marble Depot........................... 45 Lima Ceramic Tile, LLC....................... 33


David W. Hopper................................ 33 Ivey, Barnum & O’Mara...................... 17 Robert B. Potash................................... 7 John L. Vecchiolla................................ 47


Pool & Spa Repair

Audio/Video Contractor

Evolution Floors.................................. 13

CCS Complete Control Systems.......... 12

Home Care Services

MDF Painting & Power Washing LLC............................ 29


Comfort Keepers................................. 29

Chase Bank......................................... 37

Home Inspection

Property Maintenance

Basement Waterproofing Basement Solutions LLC...................... 30

Greenwich Home Inspection............... 43 HomeSpec, LLC.................................... 9



Home Theater


The Greens at Greenwich................... 31


Jason The Handyman.......................... 47 Tim Brown.......................................... 47

Hardwood Floors

Kaiser-Battistone................................. 13 JT Pool & Spa LLC............................... 44 Round Hill Pools................................. 47


Pyramid Real Estate Group.................. 31 Greenwich Refuse & Recycling............ 43

Porcelanosa........................................ 42

CCS Complete Control Systems.......... 12


Indoor Air Quality

The Children’s School......................... 44 Whitby School.................................... 21

Olson Development, LLC.................... 35 Francis Development LLC................... 46 Hemingway Construction................... 29 Knight & Grabowski Construction...... 37

HomeGuard Environmental................ 19

Insurance/Flood Insurance

Septic Systems

Building Inspection

Catherine Cleare Interiors LLC............ IFC

Greenwich Home Inspection............... 43 HomeSpec, LLC.................................... 9

Carpentry Jason The Handyman.......................... 47 Tim Brown.......................................... 47

Carpets/Flooring Classic Carpet & Rug............................ 8

Caterer Tor Sporre........................................... 47

Chimney/Vent Cleaner James Ball LLC.................................... 47

Dentist Greenwich Dental Associates.............. 37

Drainage Kaiser-Battistone................................. 13

Electrician Annibal Services.................................. 13 Weigold Electric Inc............................ 27

Engineer Sound View Engineers & Land Surveyors LLC............................ 29

Flooring Classic Carpet & Rug............................ 8 Evolution Hardwood Floors LLC.......... 13 4

Pest Control

Connecticut Insurance Services........... 21

Interior Design Kitchens & Bathrooms Porcelanosa........................................ 42


Kaiser-Battistone................................. 13

Smart Home Automation CCS Complete Control Systems.......... 12

Staging Catherine Cleare Interiors.................. IFC

Stone, Granite, Marble

GFF Services....................................... 19

Paul’s Marble Depot........................... 45 Lima Ceramic Tile, LLC....................... 33

Lawn Care


GFF Services....................................... 19

Sound View Engineers & Land Surveyors................................... 29

Lead Abatement HomeGuard Environmental................ 19

Swimming Pools

Lighting (Outdoor) Weigold Electric Inc............................ 27

JT Pool & Spa LLC............................... 44 Round Hill Pools................................. 47


Tile & Stone

GFF Services....................................... 19

Lima Ceramic Tile, LLC....................... 33

Mold Remediation

Water Heaters & Water Treatment

HomeGuard Environmental................ 19

Kaiser-Battistone................................. 13



Atlantic Residential Mortgage............... 5 Chase Bank......................................... 37 Connecticut Home Mortgage............... 8

Basement Solutions LLC...................... 30

Windows and Doors

Moving & Storage

Wood Floors

Doran Bros. ...................................... IBC

Evolution Floors.................................. 13 Westwood Flooring & Design Center..................................... 39

Painting High Level Inc. ................................... 27

Jason The Handyman.......................... 47

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History of Greenwich


he Town of Greenwich, Fairfield County, Conn., named after Greenwich, Kent, England, lies on the southwest corner of the state and is bounded on the west and north by Westchester County, New York; on the east by the town of Stamford; and on the south by Long Island Sound. On July 18, 1640, Daniel Patrick and Robert Feake, in the name of New Haven Colony, purchased all lands between the Asamuck and Potommuck brooks, in the area now known as Old Greenwich, from Native Americans living in the area for a sum of “twentie-five coates.” The deed was signed by representatives of the tribe and witnessed by Robert A. Husted, Andrew Messenger, Rasobititt, Saponas, Whonehorn, Akeroque, Pauonohas and Powiatoh. Greenwich thus became the 10th town established in Connecticut between 1633 and 1640. The first couple of years were rough for the early settlers because of disputes over who held control of the colony. The Dutch claimed the area and, in fear of not being protected by New Haven Colony, the early settlers signed a 1642 allegiance to “the Noble Lord States General, His Highness, the Prince of Orange, and the West India Company.” Greenwich then became a “manor” and Patrick and Feake, the “patroons of the manor.” From 1642 to 1650, the settlement of Greenwich was officially part of the Dutch colony, New Netherland. In 1650, the colony of New Haven and the Dutch agreed to boundary lines and, once again, the small town of Greenwich reverted back to control by the New Haven Colony. For the most part, the citizens continued to live as they had previously, with everyone doing pretty much whatever they wished. In 1656,

claims were made in New Haven that residents of Greenwich “live in a disorderly and riotous manner, sell intoxicating liquors to the Indians, receive and harbor servants who have fled their masters, and join persons unlawfully in marriage.” On October 6, 1656, Greenwich, represented by 12 men, submitted to the New Haven jurisdiction and was then told to “fall in with Stamford.” On February 5, 1664, the Seven Proprietors made a formal request to the General Assembly in Hartford to be allowed to separate from Stamford and to support its own minister and lay out its own lands. The Seven Proprietors were John Mead, Jonathan Renalds, John Hobby, Joseph Ferris, Joshua Knapp, Angell Husted and Jeffrey Ferris. On May 11, 1665, the General Assembly in Hartford declared Greenwich a separate township and authorized funds for the hiring and support of an orthodox minister. In 1672, the socalled “27 Proprietors” bought land from the few remaining Indians to the west of the Myanos River. This land became known as “Horseneck” because the neck of land now known as Field Point was the common Horse Pasture. Official title was not obtained from the Indians until 1686, but the land was laid

Quaker Ridge Schoolhouse, circa 1910-1915 Circa 1898

Greenwich Avenue, 1880s

out for home lots, divided and granted to those so-called “27 Proprietors.” The town of Greenwich expanded and prospered steadily, supplying the packet boats with shipments of locally grown produce and other wares. Greenwich played an active role in the Revolutionary War. Its most famous event was the race through Greenwich 6

History of Greenwich by General Israel Putnam, who made a daring escape from the British on the morning of February 26, 1779. While the British were able to pillage and loot Greenwich, they were not able to prevent General Putnam from rushing to warn Stamford. General Putnam’s tricorn hat, with a bullet pierced through its side, is displayed at “Putnam’s Cottage,” the tavern belonging to Timothy Knapp. General Putnam stayed in the tavern the night before his famous ride, and the site is now maintained as a museum by the Daughters of the American Revolution, and is located at 243 East Putnam Avenue in Greenwich. With the construction of the railroad in 1848, the town of Greenwich grew even more, with job possibilities opening for the young men of the community that reached far beyond its boundaries. In January 1990, more than 1,000 people kicked off the year-long celebration of the 350th anniversary of Greenwich. Greenwich is now a community of lovely residences, schools, churches, libraries and parks. With its proximity to New York City and the shores of Long Island Sound, Greenwich is beloved by its citizens and admired by its visitors.

Greenwich Coat of Arms Designed by Alexander Malcolm in 1940 to commemorate the 300th anniversary of Greenwich, the town seal bears the motto, “Fortitudine et Frugalitate,” referring to the courage and thrift it took to manage resources carefully. Source: Greenwich Historical Society - www.hstg.org and digital.greenwichhistory.org

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31 bRookside dRive, GReenwich, ct 06830 7

Our “No Regrets Guarantee” You’ll love it or we’ll replace it for FREE! visit our website for details.

(203) 359-3622 • www.ClassicCarpetandRug.com • 84 Commerce Road • Stamford, CT 06902 8

HomeSpec, LLC Providing peace of mind for over 15 years.

HOW WE CAN ASSIST YOU: We work only for you. Though we are recommended by some of the top realTors® in Connecticut, we do not receive any compensation from any realTors®.

4We inspect the home’s condition 4We help you consider possible repairs and/or updates 4We provide comprehensive water testing, including arsenic and uranium 4We are radon certified and provide radon testing 4We prepare a detailed report that contributes to the negotiation process 4We perform pre-purchase inspections as well as pre-listing inspections

Ross Prevett

Manager, duly authorized HomeSpec, LLC www.homespec-ct.com Office: (203) 438-9485 Cell: (203) 240-0032



A Mixture of Culture, Social Activities and Beautiful Surroundings

Binney Park


hose fortunate enough to call Greenwich “home� enjoy a wonderful mix of culture, social activities and beautiful surroundings. And like many Connecticut towns, Greenwich boasts a rich history dating back to pre-Colonial times. In 1640, settlers from the New Haven Colony purchased land from the Siwanoy Indians in the area now known as Old Greenwich. The newcomers carved out larger and larger land holdings where they grew potatoes, grain and fruit. Settlements grew along the shore, from Stamford on the east, to the Byram River on the west, and north to the border of New York State. By 1730, the 50 square miles that comprise present-day Greenwich were laid out. 10

For its first 200 years, the acquisition and cultivation of farm land were the major enterprises of residents, although grist mills signaled the beginnings of local industry, and active shipping was conducted from the Mianus River. The relative calm of these years was broken by the Revolutionary War. Greenwich was a garrison town that experienced occupation by both British and American armies as well as raids from “irregulars.” The seven-yearByram River long war, fought on the roads and farms of Greenwich, which destroyed homes, crops and human lives, is an important part of the town’s history. The coming of the railroad in 1848 Bruce Park marked a significant improvement in transportation and brought increasing numbers of new residents to Greenwich. The Irish came to work on the railroad and settled close to Greenwich Avenue, the town center. In an adjacent neighborhood called Chickahominy, Italian stonemasons congregated to be near the Byram quarries. Other Italians settled further east in North Mianus, where they worked in the Greenwich Harbor Mianus Woolen Mill. The Germans went to Byram, First World War. In 1938, the Merritt Parkway then known as East Port cut through the northern section of Greenwich, Chester, and found followed in 1957 by I-95 to the south. Once again, work in the Abendroth new arrivals swelled the population of Greenwich. Foundry. Glenville, on the This time, the newcomers were the employees of Binney Park Byram River, attracted corporations leaving New York City for suburban Poles who worked in the headquarters. felt mill and at Russell While the beginning of the 20th century saw the creation Burdsall & Ward, manufacturers of nuts and bolts. Each of these areas developed as distinct neighborhoods that have continued of great land estates, the post-World War II period witnessed their dissolution into smaller building lots that accommodated to be home to second- and third-generation descendants. Greenwich also became a resort, catering to New Yorkers the new residents. Growth and development brought about wishing to escape the city for the summer. Along the shore, the reorganization of town government, the consolidation hotels were erected to house, feed and entertain these visitors. of the school system and the establishment of a network of Many decided to build homes in Greenwich, creating such independent, non-profit organizations. The second half of the century saw a growing concern in areas as Belle Haven, Field Point Park, Byram Shore and Rock Greenwich for protecting its heritage, resulting in the creation Ridge. People with easily recognizable names—Benedict, Bruce, Converse, Gimble, Havemeyer, Mallory, Milbank, Rockefeller of two local historic districts, 23 buildings and areas listed on and Teagle—amassed large land holdings where they built the the National Register of Historic Places, and the acquisition of undeveloped land as park and conservation areas. Greenwich is estates for which Greenwich is now famous. th Greenwich bounded into the 20 century with yet another a special place to its residents who work hard as volunteers on improvement in transportation: The trolley from Rye to Stamford its behalf. connected Greenwich from west to east with a convenient, intown service. The automobile then took precedence after the

Source: www.greenwichct.org 11

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Villages of Greenwich Old Greenwich Old Greenwich is where it all began. On July 18, 1640, the Siwanoy Indians, for the price of 25 English coats, sold the land that is now Old Greenwich to four Englishmen. One of the Englishmen, Jeffrey Ferris, named the area after his birthplace, Greenwich, England. As Greenwich developed to the west, Old Greenwich became known as “Old Town.” In 1872, the New Haven Railroad objected to adding Old Town as a rail stop as they deemed it too confusing having two Greenwich stops. Thus the name of Old Town was changed to Sound Beach. That name would remain until 1930 when it was renamed Old Greenwich. Old Greenwich has evolved from a farming community to a summer resort to the quiet commuter community it is

today. With its quaint downtown shopping district and its proximity to Greenwich’s largest public beach, Old Greenwich is a desirable location for many.

Cos Cob

As the Old Town farmers struggled with

its rocky soil, the tiny hamlet to its west prospered as a seaport. Originally known as Mianus, named after the Siwanoy Chief Myanos, Cos Cob got its name from an Englishman named John Coe. Coe, an early settler, built a rocky seawall, then referred to as a “Cob,” that became known as Coe’s Cob. Coe left the area in 1659, but the name stuck, and over time, the “e” was dropped. Cos Cob flourished as a seaport during the 18th and 19th centuries. At the turn of the 19th century, Cos Cob evolved into a colony of intellectuals and artists playing

host to the likes of Eugene O’Neill, Willa Cather and Anya Seton. Cos Cob today is a robust community with a central downtown shopping district along Route 1.

Riverside Riverside was known as Mianus Neck until 1870, predominately known for fishing and farming. Until the mid-1800s, Riverside Avenue was referred to as Potato Road because of all the potato storage cellars near the cove. As with the rest of Greenwich, Riverside evolved from an agrarian-based economy to the suburban community it is today. Riverside’s abundance of waterfront— river, harbor and the Long Island Sound—makes it a desirable location for those who enjoy waterfront living.

Binney Park 14

Villages of Greenwich Cos Cob Library Perrot Memorial Library

Audubon Center

Boys and Girls Club

Services & Utilities POPULATION: 61,170 (Source: 2010 Census)

Perrot Memorial Library



Byram, tucked into the southwest corner of town, was settled in 1660 by Thomas Lyon. Originally known as New Lebanon, this area of Greenwich developed slower than the hamlets to the east. Farming and fishing slowly gave way to industry. The Hendroth Brothers Foundry built furnaces and sold them worldwide, employing 700 workers in its heyday in the mid-1800s. Today, Byram remains a diverse community, which boasts a vital downtown shopping area with small shops and restaurants.

This tiny mill town was founded in 1774 when a group of Baptist settlers traveled to this hilly stretch of land by the Byram River to establish a church. Since then, Glenville’s history has always been linked to industry. In 1790, a mill opened for grinding Peruvianbark into medicine. Today, Glenville is a suburban enclave in the western section of Greenwich. The American Felt Company, “The Mill,” still stands today and is home to retail, restaurants, office space, condominiums and apartments. Source: www.greenwichchamber.com

TRAVEL TIMES: - New Haven: 50 minutes - New York: 50 minutes - N.Y. Airports: 60 minutes TRANSPORTATION: - Amtrak - Metro North HOSPITALS/HEALTHCARE: - Greenwich Hospital - Yale New Haven Healthcare System UTILITIES: - Aquarion Water Co. (www.aquarion.com)

- Cablevision/Optimum (www.cablevision.com)

- CNG Gas (cngcorp.com) - Eversource Energy (formerly Northeast Utilities/CL&P)

- Frontier Communications


Town Government


reenwich is governed by a Board of Selectmen, a Representative Town Meeting (RTM) and various elected or appointed boards and commissions.

The RTM, consisting of 230 elected members, is the legislative body of the town and has authority to approve expenditures and reduce, eliminate or approve appropriations. Property taxes are among the lowest in the state and Greenwich carries no debt. There are approximately 15 zoning districts, for which the minimum space for a residential building lot is 7,500 square feet, depending on location and usage. North of the Merritt Parkway, however, four-acre zoning is required. Most commercial areas are confined to the central areas of Greenwich, Byram, Glenville, Cos Cob, Riverside and Old Greenwich and along Putnam Avenue. Ten of the largest businesses in Connecticut are based in Greenwich. There are 265 miles of maintained roads in Greenwich. The town has a sewage treatment plant and 21 pump stations. Residents with a permit may bring solid waste removal for disposal to the Holly Hill Resource Recovery Center or they may contract with private refuse haulers. Recycling is mandatory, with the town providing weekly curbside pickup for glass, metal, plastic, newspapers and other papers. The town also picks up leaves and related material on a scheduled basis in areas zoned one-half acre or less.

Public Safety The Greenwich Police Department has a 158-person police force with traffic and detective units, a marine division, a special response unit, animal control 16

Town Hall

Greenwich Senior Center

unit, and an active youth division. Residents are also encouraged to participate in the GPD’s Special Police Division, which invites private citizens to receive special training and volunteer their time to support public safety initiatives in their neighborhoods or at town events. Greenwich police play an interactive role in the lives of the town’s residents. If alerted, patrolmen, while on regular neighborhood patrol, will make special note of residents’ homes while they are on vacation. Police will also help residents evaluate their home security, pointing out vulnerable areas, such as poor lighting, a window too close to the ground or weak fencing. Supporting the police are seven fire stations, two of which are manned entirely by volunteers, and five by volunteers and employees. The fire department offers many special programs, including a Hazardous Materials Response Team and Water Rescue Team. In addition, the Fire Prevention Division offers assistance regarding code compliance for new construction and conducts public education programs. The Greenwich Emergency Medical Service (GEMS) is an independent, not-for-profit organization supported by private donations and various

foundations. GEMS operates a fleet of three primary ambulances, three backup ambulances and three supervisory vehicles. The service operates around the clock and covers all of Greenwich.

Senior Services A wealth of information regarding seniors is available to town residents through the Greenwich Commission on Aging, located conveniently at the Greenwich Senior Center on Greenwich Avenue. There are numerous resources and programs available. The Senior Center offers trips, courses and parties for independent Greenwich residents who are 60 years of age and over. Outings to the ballet, Foxwoods Casino and New York City museums are planned with lunch at popular restaurants. Dinnerdance celebrations for the holidays, a senior prom and senior picnic highlight the Center’s busy calendar of events. First Selectman: Peter Tesei, (203) 622-7710 Source: www.greenwichct.org/government See also: www.greenwichtime.com

Public Education Board of Education

Cos Cob Elementary School

290 Greenwich Avenue (203) 625-7400 www.greenwichschools.org

Elementary Schools COS COB ELEMENTARY SCHOOL 300 East Putnam Avenue, Cos Cob (203) 869-4670

GLENVILLE ELEMENTARY SCHOOL 33 Riversville Road, Greenwich (203) 531-9287

HAMILTON AVENUE ELEMENTARY SCHOOL 184 Hamilton Avenue, Greenwich (203) 869-1685


Riverside Elementary School

55 Florence Road, Riverside (203) 637-3800


North Mianus Elementary School

180 East Elm Street, Greenwich (203) 869-1896



25 Mead Avenue, Greenwich (203) 531-9139

51 Hendrie Avenue, Riverside (203) 637-1744



309 Palmer Hill Road, Riverside (203) 637-9730

1 Western Jr. Hwy., Greenwich (203) 531-5700


High Schools

381 North Street, Greenwich (203) 869-6756

OLD GREENWICH ELEMENTARY SCHOOL 285 Sound Beach Avenue, Old Greenwich (203) 637-0150

PARKWAY ELEMENTARY SCHOOL 141 Lower Cross Road, Greenwich (203) 869-7466

RIVERSIDE ELEMENTARY SCHOOL 90 Hendrie Avenue, Riverside (203) 637-1440

Middle Schools CENTRAL MIDDLE SCHOOL 9 Indian Rock Lane, Greenwich (203) 661-8500

GREENWICH HIGH SCHOOL 10 Hillside Road, Greenwich (203) 625-8000

ACADEMY OF INFORMATION TECHNOLOGY & ENGINEERING 411 High Ridge Road, Stamford (203) 977-4336 www.aitestamford.org

GREENWICH ALTERNATIVE HIGH SCHOOL 6 Riverside Avenue, Riverside (203) 990-0439


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Independent Schools in Fairfield County Boys’ Schools BRUNSWICK SCHOOL 100 Maher Ave., Greenwich (203) 625-5800 Grades: PK-12 www.brunswickschool.org FAIRFIELD COLLEGE PREPARATORY SCHOOL 1073 N. Benson Rd., Fairfield (203) 254-4200 Grades: 9-12 www.fairfieldprep.org FAIRFIELD COUNTRY DAY SCHOOL 2970 Bronson Rd., Fairfield (203) 259-2723 Grades: PK-9 www.fairfieldcountryday.org

Girls’ Schools CONVENT OF THE SACRED HEART 1177 King St., Greenwich (203) 531-6500 Grades: K-12 www.cshgreenwich.org GREENWICH ACADEMY 200 N. Maple Ave., Greenwich (203) 625-8900 Grades: PK-12 www.greenwichacademy.org LAURALTON HALL 200 High St., Milford (203) 877-2786 Grades: 9-12 www.lauraltonhall.org

Co-ed Schools ALL SAINTS CATHOLIC SCHOOL 139 West Rocks Rd., Norwalk (203) 847-3881 Grades: PK-8 www.allsaintsnorwalk.com BEACON 44 Commerce Rd., Stamford (203) 409-0066 Grades: 3-12 www.beacon-ct.org BI-CULTURAL DAY SCHOOL 2186 High Ridge Rd., Stamford (203) 329-2186 Grades: PK-8 www.bcds.org


CARMEL ACADEMY 270 Lake Ave., Greenwich (203) 863-9663 Grades: K-8 www.carmelacademy.com

LANDMARK ACADEMY 11 Burr Rd., Westport (203) 226-6982 Ages: 1-5 www.landmarkpreschool.org

TRINITY CATHOLIC HIGH SCHOOL 926 Newfield Ave., Stamford (203) 322-3401 Grades: 9-12 www.trinitycatholic.org

THE CHILDREN’S SCHOOL 118 Scofieldtown Rd., Stamford (203) 329-8815 Ages: 3-8 www.childrensschool.org

THE LONG RIDGE SCHOOL 478 Erskine Rd., Stamford (203) 322-7693 Age 2 through Grade 5 www.longridgeschool.org

TRINITY CATHOLIC MIDDLE SCHOOL 948 Newfield Ave., Stamford (203) 322-7383 Grades: 6-8 www.trinitycatholicms.org

CONNECTICUT FRIENDS SCHOOL 317 New Canaan Rd., Wilton (203) 762-9860 Ages: 2-14 www.ctfriendsschool.org

THE MEAD SCHOOL 1095 Riverbank Rd., Stamford (203) 595-9500 Age 6 weeks through Grade 8 www.meadschool.org

THE UNQUOWA SCHOOL 981 Stratfield Rd., Fairfield (203) 336-3801 Grades: PK-8 www.unquowa.org

EAGLE HILL SCHOOL 45 Glenville Rd., Greenwich (203) 622-9240 Ages: 6-15 www.eaglehillschool.org

NEW CANAAN COUNTRY SCHOOL 635 Frogtown Rd., New Canaan (203) 972-0771 Age 3 weeks through Grade 9 www.countryschool.net

WHITBY SCHOOL 969 Lake Ave., Greenwich (203) 869-8464 Age 18 mos. through Grade 8 www.whitbyschool.org

EAGLE HILL - SOUTHPORT 214 Main St., Southport (203) 254-2044 Ages: 6-14 www.eaglehillsouthport.org GREENS FARMS ACADEMY 35 Beachside Ave., Westport (203) 256-0717 Grades: PK-12 www.gfacademy.org GREENWICH CATHOLIC SCHOOL 471 North St., Greenwich (203) 869-4000 Grades: K-8 www.greenwichcatholicschool.org

THE GREENWICH COUNTRY DAY SCHOOL 401 Old Church Rd., Greenwich (203) 863-5600 Grades: Nursery-9 www.gcds.net THE GREENWICH JAPANESE SCHOOL 270 Lake Ave., Greenwich (203) 629-9039 Grades: 1-9 www.gwjs.org KING LOW HEYWOOD THOMAS SCHOOL 1450 Newfield Ave., Stamford (203) 322-3496 Grades: PK-12 www.klht.org

PEAR TREE POINT SCHOOL 90 Pear Tree Point Rd., Darien (203) 655-0030 Grades: PK-5 www.ptpschool.org RYE COUNTRY DAY SCHOOL 3 Grandview Ave., Rye, N.Y. (914) 967-1417 Grades: PK-12 www.ryecountryday.org THE SPIRE SCHOOL 44 Commerce Rd., Stamford (203) 409-0066 Grades: 8-12 www.spireschool.org ST. CECILIA SCHOOL 1186 Newfield Ave., Stamford (203) 322-6505 Grades: PK-5 www.stceciliastamford.com ST. LUKE’S SCHOOL 377 N. Wilton Rd., New Canaan (203) 966-5612 Grades: 5-12 www.stlukesct.org THE STANWICH SCHOOL 257 Stanwich Rd., Greenwich (203) 542-0032 Grades: PK-12 www.stanwichschool.org

THE WOOSTER SCHOOL 91 Miry Brook Rd., Danbury (203) 830-3900 Grades: PK-12 www.woosterschool.org

Schools Addressing Special Needs EAGLE HILL SCHOOL 45 Glenville Rd., Greenwich (203) 622-9240 Ages: 6-15 www.eaglehillschool.org EAGLE HILL - SOUTHPORT 214 Main St., Southport (203) 254-2044 Ages: 6-14 www.eaglehillsouthport.org THE PINNACLE SCHOOL 44 Commerce Rd., Stamford (203) 409-0068 Grades: 3-12 www.pinnacle-ct.org VILLA MARIA SCHOOL 161 Skymeadow Dr., Stamford (203) 322-5886 Grades: K-9 www.villamariaedu.org WINDWARD SCHOOL 13 Windward Ave., White Plains, N.Y. (914) 949-6968 Grades: 1-8 www.thewindwardschool.org

Whitby inspires a passion for learning and empowers children to become principled global citizens. To learn more about our compelling continuum of inquiry-based learning, please call to schedule a personal tour. 18 months to 8th grade International Baccalaureate • Montessori (early years) Low student-to-faculty ratio • Emphasis on whole child development Dynamic visual and performing arts programs 25-acre wooded campus • International student body

969 Lake Ave, Greenwich, CT | 203 302 3900 whitbyschool.org/learn | @whitbyschool Piano_7.5x4.75_Layout 1 8/15/12 1:16 PM Page 1

WE UNDERSTAND THE DIFFERENCE BETWEEN INSURING A HOUSE AND A HOME. Your home is more than a roof over your head. It’s a valuable asset that shelters you and your valued possessions. As your insurance advisor, we know you need an insurance company that understands the way you live. With more than 130 years of experience, a well-earned reputation for prompt and fair claim settlements, and special expertise in insuring fine homes and their contents, we know Chubb is as different from other insurance companies as a home is from a house. To see how we can create a personal insurance program from Chubb to meet your sophisticated needs, please call us. 45 Church Street, Stamford CT 06906 Dmitriy Gorbachevskiy dgorbachevskiy@ctinsurancegroup.com Phone: 203-967-9647 Fax: 203-359-4784 www.ctinsurancegroup.com

Financial Strength and Exceptional Claim Service Homeowners | Auto | Yacht | Jewelry | Antiques | Collector Car Chubb refers to the insurers of the Chubb Group of Insurance Companies. Chubb Personal Insurance (CPI) is the personal lines property and casualty strategic business unit of Chubb & Son, a division of Federal Insurance Company, as manager and/or agent for the insurers of the Chubb Group of Insurance Companies. This literature is descriptive only. Not available in all states. Actual coverage is subject to the language of the policies as issued. Chubb, Box 1615, Warren, NJ 07061-1615. ©2012 Chubb & Son, a division of Federal Insurance Company. www.chubb.com/personal


Parks & Recreation For a complete list of parks, playgrounds and facilities, please visit the “Parks & Recreation” section at www.greenwichct.org. BEACHES Beaches are open year-round, but park/beach passes are required from May 1 to October 31. Lifeguards are on duty from Memorial Day weekend through Labor Day weekend from 10:00 a.m. to 6:00 p.m. Leashed dogs are allowed into parks from December 1 through March 31. The Town of Greenwich Department of Health tests the beaches weekly during swimming season.

Admission: Residents If you are a new resident, have moved or did not purchase a new park pass in the prior year, you may pick up an application at Town Hall or visit them online at http://greenwichct.virtualtownhall.net. The Park Pass Office is open Monday through Friday, 8:15 a.m. to 3:30 p.m. for all purchases. Each applicant must submit two proofs of residency (driver’s license, credit card bill, utility bill, cable bill or residential lease) for each applicant 25 years old or older, along with their application.

Visit www.greenwichct.org for information on the following: 8Park Passes 8Tennis Passes 8Vehicle Sticker free for Greenwich registered vehicles. For vehicle parking stickers, you must submit a copy of your Town of Greenwich car tax bill or the DMV registration for each vehicle sticker requested.

8Non-Greenwich-registered vehicles 8Non-card holders (5 - 64 years old) 8Parking non-card holders, private passenger vehicles

Daily Ticket Sale Locations 8Town Hall - The Park Pass Office: Monday - Friday. Call Park & Recs Department for more information: (203) 622-7817. 8Eastern Greenwich Civic Center: Open from 9:00 a.m. to 5:00 p.m. daily, beginning May 1 for sale of single-visit guest and parking tickets only. Source: www.greenwichct.org/government/departments/parks_and_ recreation/beaches/

Tod’s Point 22

Parks & Recreation Greenwich Point (Also known as Tod’s Point) Location: Shore Road, Old Greenwich Often described as the “crown jewel” of Greenwich, Greenwich Point is a 147-acre peninsula where land, water, sun and fog interact, and through the ages has been a joy to people who seek to replenish their spirits. Enter the gates and the excitement of open water on each side of the causeway begins. Greenwich Point is open daily from 6:00 a.m. until sunset. Activities include jogging, walking, cycling, nature study, boating, fishing, sailboarding, sun bathing, swimming and picnicking. At various locations throughout the park, one can find benches to sit on for quiet contemplation and enjoyment. Lifeguards are on duty during the summer season from Memorial Day to Labor Day. Town residents can arrange boat moorings through the Department of Parks and Recreation Marine Division at Town Hall. Currently, there is a two- to 10year waiting list. Residents are able to keep their kayaks there as well. Greenwich Point is home to the Old Greenwich Boat & Yacht Club which, in conjunction with the Department of Parks & Recreation and the Greenwich Cove Racing Association, hold co-ed sailing classes and races in the summer. It is also home to Camp Kairphree (for 5-12 year olds), a day camp that is held in two, four-week sessions over the summer. Various activities sponsored by the Department of Parks & Recreation and other civic groups are held over the summer at the Point. A partial listing includes a kite flying contest (April), a sand castle contest (July/August), Tod’s Job (October), Hot Line Road Race (April), bike-a-thon (October) and “Point Perspective,” a five-mile foot race (February).

History Greenwich Point is the site of the founding of the Town of Greenwich. In 1640, Daniel Patrick, Robert Feake and his wife, Elizabeth, who were fleeing from the oppression of the Massachusetts Bay Colony, landed in Greenwich. They purchased Greenwich Point and what is now known as Old Greenwich for 25 English coats and some trinkets from the Siwanoy Indians. In 1889, J. Kennedy Tod, a wealthy bank and railroad magnate, bought the island from them. The Tods made changes on their island estate. They built a causeway that linked the island to the shore, laid out a golf course, enclosed the lagoon to form a lake for boating, and built a 37-room mansion, cottages for guests and various outbuildings. They renamed the Point “Innes Arden.” The Tods had no heirs, and after Mr. Tod’s death in 1925, the Point was bequeathed to the Presbyterian Hospital in New York

Tod’s Point

City. The hospital used “Innes Arden” as a vacation retreat for nurses until World War II. The Town of Greenwich was offered the Point during the early years of the war, but it was not until 1946, after one year of experimental usage of the beach, that the Town purchased the Point for $550,000 for the enjoyment of all townspeople. Due to the post-war housing shortage, the Tods’ mansion was modified to create 13 apartments for veterans and their families. Rental of the apartments continued until 1961 when the house was in need of such extensive repairs that updating it was not economical, and it was demolished. All that remains of the grand house today is a portion of the foundation and the “tower.”

Byram Marina and Beach Location: Entrance on Ritch Avenue near Delavan Avenue, Byram (for residents only) The well-protected harbor provides slips for 250 small boats, while just beyond the ring of privately held islands there are 100 out-water moorings for larger crafts. The boating facilities also include a launching ramp, lockers for the boaters’ gear and a dry dock area. The park has also been home to the Byram Shore Boat Club for more than 60 years. For boating information, please call the Boating Office at (203) 618-7651 or the Dockmaster for Byram at (203) 532-9019 or (203) 898-5583. The park also features bathhouses for those using the beach, lighted tennis courts as well as the only lighted ball field in Greenwich. Permits are required. Note: If the Health Department closes the beach, the scheduled swim times will be canceled for the day. Hotline: (203) 622-7855. 23

Parks & Recreation Great Captain Island

Stamford Twin Rinks

For more than a century, this picturesque island, with its crescent-shape beaches located approximately one mile off the Greenwich Shore, was vigorously claimed by both New York and Connecticut. In 1879, the dispute was finally resolved with the island acknowledged to be under Connecticut’s jurisdiction. The “Captain” of the title reportedly memorializes Captain Daniel Patrick, a partner in the first recorded real estate transaction in Greenwich in the 1640s and the Town’s first military commander. During the summer months, there is a ferry service from the landing at Roger Sherman Baldwin Park off Arch Street in central Greenwich. Parking is available across Arch Street.

Location: 1063 Hope Street, Stamford (968-9000) www.stamfordtwinrinks.com

Island Beach Island Beach, formerly known as Little Captain Island, is situated in Long Island Sound about two miles south of Greenwich Harbor. During the summer months, there is a ferry service from the landing at Roger Sherman Baldwin Park off Arch Street in central Greenwich. Parking is available across Arch Street.

ICE SKATING Dorothy Hamill Skating Rink (September - March) Location: Off Sherman Avenue, Byram, (203) 531-8560 or email: RERNYE@greenwichct.org This fully enclosed facility offers a wide variety of winter programs, including group lessons, hockey clinics, youth hockey leagues, a Town-wide Figure Skating Competition, general skating sessions and more. When closed for skating, the rink is open for play on the indoor turf. Programs are open to Greenwich residents only.


Stamford Twin Rinks is conveniently located in the Springdale area of Stamford, and is the home of two NHL regulation-size rinks with superior ice conditions and a comfortable dehumidified environment. There are two restaurants, four attractive party rooms, the SkateZone Pro Shop, New York Sports Club, the Springdale Ballet and Dance Academy and the BodyCheck Training Center.

TENNIS COURTS Tennis passes are required for all “in season” play on Town of Greenwich tennis courts. The annual tennis season runs from May 15 through December 1. Please refer to the park pass instructions to acquire a tennis pass.

Locations 8Binney Park 8Bruce Park 8Byram Shore Park 8Central Middle School 8Christiano Park 8Eastern Greenwich Civic Center 8Eastern Middle School 8Greenwich High School 8Loughlin Avenue Park 8Western Middle School 8Pemberwick Park

Binney Park

Parks & Recreation PARKS AND PLAYGROUNDS Audubon Society Location: 613 Riversville Road, Greenwich (869-5272) http://greenwich.audubon.org Audubon Greenwich has been providing environmental programs since 1942 and was the National Audubon Society’s first education center. The Audubon Center of Greenwich on Riversville Road is comprised of 285 acres and seven miles of walking trails and includes the Kimberlin Nature Education Center classrooms, the Kiernan Hall Nature Art Gallery and the Nature Store. In addition, Audubon Greenwich manages seven other sanctuaries, totaling 686 acres of woodlands, meadows, wetlands and 15 miles of trails. Audubon Greenwich sponsors many environmental activities, including programs for schools and scouts, weekly public programs, summer nature day camp, Fall Hawkwatch Weekend and Spring into Audubon Festival.

Center Hours 8Monday through Sunday, 10:00 a.m. - 5:00 p.m. 8Closed major holidays 8Sanctuary Hours: Everyday, dawn to dusk

Babcock Preserve Location: Half-mile north of the Merritt Parkway, entrance on North Street Approximately 300 acres of woodlands and trails stretching between North Street and Lake Avenue. The largest of the town parks, the Babcock Preserve is open to the public from sunrise to sunset for hiking, walking, jogging, cross-country skiing, nature study, picnicking and horseback riding on designated trails.

Bible Street Playground Location: Bible Street off Orchard Street, Cos Cob Home to the Cos Cob Community Center & Michael C. Moretti Field, it is used for various events and activities by non-profit organizations and by residents for a nominal fee. Athletic activities consist of baseball, softball, tennis, basketball, bocce, football, soccer and two playgrounds for children.

Binney Park Location: Intersection of Sound Beach Avenue and Arch Street, Old Greenwich The park includes a northern landscaped section with a pond, lawn, trees, paved paths, and a southern section for more active recreation with four tennis courts, two baseball diamonds, swings and a sheltered playground area.

Bruce Park Location: Davis Avenue to Bruce Park Drive A series of lovely ponds and wooded areas provide for passive activities. Picnic areas are provided with tables and grills. Permits are required for groups over 25 for the Woods Road picnic area. A variety of activities are possible in Bruce Park, including walking and jogging on a marked and measured trail, bicycling and picnicking. The Greenwich Lawn Bowling Association maintains a bowling green and organizes games. Three tennis courts, horseshoe pits, a baseball diamond and playgrounds are also available.

Christiano Park Location: Off Holly Hill Lane with limited access from Lyon Ave. Five acres with a baseball diamond, barbecue grills, children’s playground equipment and even a cricket pitch—one of the few in town.

Cos Cob Park Location: 22 Sound Shore Drive Nine-acre park with views of Long Island Sound, synthetic turf field-striped for soccer, shelter, restrooms, picnic tables, playground and ADA-compliant ramps. Driveway gate open only for reserved field use. 25

Parks & Recreation DeLuca Property

Mianus River & Natural Park

Location: Along Mianus River before intersection of Valley Road and Palmer Hill Road

Location: Cognewaugh Road, Cos Cob North

This park provides a small area to take in the views along the Mianus Riverbank.

Grass Island Location: Grass Island Road off Shore Road in the Belle Haven area A true island prior to 1909, and today at 25.5 acres, Grass Island has grown to nearly twice its original size. This shorefront property includes a managed conservation area, a public marina, the Greenwich Boat and Yacht Club, as well as the town’s wastewater treatment plant. Open year-round to Greenwich residents.

Laddin’s Rock Sanctuary Location: Highmeadow Road, Old Greenwich The unique 18-acre sanctuary became legendary as far back as the days of the earliest settlers. Today, it represents a new addition to the Old Greenwich “greenbelt” that runs from I-95 to Long Island Sound along the Stamford border. In addition to the scenic vistas atop Laddin’s Rock looking south, the area provides a link for walking and hiking to and from Binney Park’s 22 acres and the nature trail’s 10 acres via an easement along Brownhouse Road.

Loughlin Playground Location: Corner of Loughlin Avenue and Butler Street, Cos Cob Loughlin playground is a 6.8-acre area with a baseball diamond, soccer field, lighted paddle tennis courts, tennis courts, swings and a hard surface basketball area. It is open year-round.

Mianus River Park, formerly the Goodbody Estate, encompasses 200 acres straddling the Greenwich/Stamford border. The park features a network of trails, a wide variety of vegetation and wildlife habitat indigenous to both wetlands and rocky hillsides. Pond trail and Oak trail are two trails of note on the Greenwich portion of the Mianus Park property. This is the only park in Greenwich that allows you to hike with your dogs off leash.

Montgomery Pinetum Park Location: Bible Street, Cos Cob On the east side of Bible Street, you will find the 30-acre Montgomery Park. Adjacent to the parking area for Pinetum is the Greenwich Garden Center, where horticultural classes and a library are available to the community. Armed with a map and tree guide available from the Garden Center office, you may choose to begin exploring Pinetum from the flagstone terrace, where the vista to the south of the manicured lawns ending at the reflecting pond is particularly beautiful. The park offers several walking trails to explore.

Roger Sherman Baldwin Park Location: Arch Street on the waterfront, Central Greenwich Here is a small treasure in central Greenwich, a waterfront park along with a glorious view of Greenwich Harbor and Long Island Sound. It is ideal for walking, fishing, nature study and photography. People can picnic in the shade of weeping willows and watch the geese and other waterfowl. In the summer, the Park offers outdoor concerts and theater productions. The adjacent skate park is a safe and supervised facility for youths six years of age and over to skateboard and inline skate. Source: www.greenwichct.org/government/departments/parks_and_recreation


Tod’s Point

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Clubs & Organizations Neighborhood Community Centers (203) 622-7821 The William A. Yantorno (Pemberwick) Community Center and the Cos Cob Community Center are available for various social and family rentals throughout the year.

Greenwich Senior Center 299 Greenwich Avenue, (203) 622-3990 For Greenwich residents who are 55 and older. “Life: Be-In-It” is the motto of the Greenwich Senior Center. Daily, more than 400 members live up to the motto by participating in the Center’s variety of programs, including luncheons, health forums, classes (from arts & crafts to history and foreign language), day trips, line dancing, singing with the popular touring Silvertones chorus, and just relaxing in a friendly atmosphere.

Western Greenwich Civic Center 449 Pemberwick Road, (203) 531-6273 The facility supports numerous user groups that include, but are not limited to, the following: Girls Inc., ballet, weight lifting club, Boy Scouts, aerobics, dog obedience classes, basketball, volleyball, senior meetings, Summer Fun Program, Halloween party, Just Wee Two, the Junior League Fun Safety Town

Program, watercolor painting classes, indoor tennis, Jack Rabbit Gymnastics, Music Theatre Program, Pilates exercise program and yoga.

Eastern Greenwich Civic Center Corner of Harding Road & Forest Avenue, Old Greenwich The facility boasts a regulation softball field, two all-weather tennis courts with lighting, playground and picnic area.

AARP Meetings Chapter No. 3020 of the American Association of Retired Persons meets every month on the first Thursday from 1:00 p.m. to 3:00 p.m. Join other seniors and learn about current legislation, health care and quality of life issues, and enjoy entertaining and educational programs.

The Bruce Museum of Art and Science One Museum Drive, (203) 869-6786 In 1908, Robert Bruce bequeathed his home to the Town of Greenwich and stipulated that it be used “as a natural history, historical and art museum, for the use and benefit of the public.” For exhibition information, please visit www.brucemuseum.org. Museum Hours: Tuesday-Sunday: 10:00 a.m. - 5:00 p.m.

Organizations Adoptadog.com........... .............................(203) 629-9494 Alliance Francaise....................................... (203) 629-1340 American Legion........................................ (203) 531-0109 American Red Cross................................... (203) 869-8444 ARC - Greenwich....................................... (203) 863-4673 Art Society of Old Greenwich..................... (203) 569-3193 Audubon Greenwich.................................. (203) 869-5272 Boy Scouts of America............................... (203) 869-8424 Boys & Girls Club of Greenwich................. (203) 869-3224 Byram Garden Club................................... (203) 531-7978 Children of the American Revolution......... (203) 869-9697 Chinese Association of Fairfield County...... (860) 841-6296 Church Women United of Greenwich........ (800) 298-5551 Community Answers............ ......................(203) 622-7979 Family Centers Inc..................................... (203) 869-4848 Friends of Binney Park................................ (203) 637-8334 Garden Education Center.......................... (203) 869-9242 Greenwich Arts Council............................. (203) 862-6750 Greenwich Chamber of Commerce.............. (203) 869-3500 Greenwich Democratic Town Committee.... (203) 869-3643 28

Greenwich Garden Club............................ (203) 912-3385 Greenwich Green & Clean......................... (203) 531-0006 Greenwich International Film Festival......... (203) 717-1800 Greenwich Jaycees..................................... (203) 358-3134 Greenwich Kiwanis Club............................ (203) 249-6083 Greenwich Land Trust................................ (203) 629-2151 Greenwich Republican Roundtable............ (203) 629-9889 Greenwich Republican Town Committee..... (203) 699-6327 Greenwich Symphony Orchestra........... ....(203) 869-2664 Greenwich Women’s Civic Club................. (203) 968-2821 Greenwich Women’s Club......................... (203) 869-2046 Greenwich Women’s Exchange.................. (203) 869-0229 Historical Society of the Town of Greenwich.... (203) 869-6899 JCC of Greenwich........... ...........................(203) 622-1434 Jewish Family Services............. ...................(203) 622-1881 Junior League of Greenwich....................... (203) 869-1979 League of Women Voters of Greenwich..... (203) 352-4700 Lion’s Club of Greenwich........................... (203) 698-4033 Lion’s Club of Old Greenwich.................... (203) 637-3888 Mothers against Drunk Driving............ ......(203) 764-2866

Organizations con’t.

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Neighbor To Neighbor.............................. (203) 622-9208 NOW, Greenwich Chapter......................... (203) 622-1372 Riverside Garden Club............................... (203) 637-4448 Rotary Club of Greenwich.......................... (203) 637-4581 The Sunshine Kids...................................... (203) 869-0500 Transportation Association of Greenwich...... (203) 637-4345 UJA Federation of Greenwich..................... (203) 622-1434 United Way of Greenwich.......................... (203) 869-2221 YMCA........................................................ (203) 869-1630 YWCA........................................................ (203) 869-6501

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Golf PUBLIC COURSES Griffith E. Harris Golf Course (203) 531-8253 The Griffith E. Harris Golf Course is the town’s only municipal golf course and the only non-private golf course in the town of Greenwich. The course is open to all Greenwich residents who become members. Members are permitted to bring guests, but they must be accompanied by a member to play. At the Pro Shop, golf clothing and supplies can be purchased, clubs and golf carts can be rented, lessons can be arranged with the Pro or Assistant Pros, and tokens for the driving range ball machine can be purchased. The facility has a driving range with 14 stations, two practice putting greens and a practice chipping area, which includes a practice bunker. The course is an 18-hole, par-71 men, par-73 ladies. Reservations are required for tee times.

PRIVATE COUNTRY CLUBS Burning Tree Country Club


Greenwich Country Club

Round Hill Club

Tamarack Country Club

120 Perkins Road (203) 869-9010

19 Doubling Road (203) 869-4222 (203) 637-6940

33 Round Hill Club Road (203) 661-1648

55 Locust Road (203) 531-7364

Fairview Country Club

Millbrook Club

1241 King Street (203) 531-4283

61 Woodside Drive (203) 869-4684

888 North Street (203) 869-2072

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Transportation Greenwich Train Station

Old Greenwich Train Station

1 Railroad Ave. between Arch St. and Greenwich Ave. Greenwich, CT 06830-6301 (28.1 miles to Grand Central Station)

1 Sound Beach Ave. between Webb Ave. and Arcadia Rd. Old Greenwich, CT 06870-1712 (31.2 miles to Grand Central Station)

Station Parking




Call (203) 618-3060 for further information.

Greenwich Taxi: (203) 869-6000


NY-bound platform: Elevator to platform is in station building and available only when station is open. The station was built before ADA law; therefore, ramp may not meet ADA requirements. Nearest accessible station: Rye, N.Y.

Driving Directions

Northbound: From I-95 Northbound, Exit 3. At end of ramp, turn left onto Arch St. Make next right onto Railroad Ave. Station is on the right. Southbound: From I-95 Southbound, Exit 3. At end of exit, turn right onto Arch St. Make next right onto Railroad Ave. Station is on the right.

Cos Cob Train Station 1 Cos Cob Ave. Cos Cob, CT 06807-2736 (29.6 miles to Grand Central Station)


Greenwich Taxi: (203) 869-6000


Ramps to both platforms. The station was built before ADA law; therefore, ramps may not meet ADA requirements. Nearest accessible stations: Stamford, Conn., or Rye, N.Y.

Driving Directions

Northbound: From I-95 Northbound, Exit 4, Indian Field Rd. At end of ramp, turn left onto Indian Field Rd. Make second right onto Cos Cob Court. Station is one block on the right. Southbound: From I-95 Southbound, Exit 4, Indian Field Rd. At end of ramp, turn right onto Indian Field Rd. Make second right onto Cos Cob Court. Station is one block on the right. 32

Greenwich Taxi: (203) 869-6000 Ramps to both platforms. The station was built before ADA law; therefore, ramps may not meet ADA requirements. Nearest accessible station: Stamford, Conn.

Driving Directions

Northbound: From I-95 Northbound, Exit 5, Putnam Ave. At end of exit, turn right onto Putnam Ave. (US Rte. 1). Make right onto Sound Beach Ave. After railroad underpass, turn left into station parking lot. Southbound: From I-95 Southbound, Exit 5, Putnam Ave. At end of exit, turn right onto Putnam Ave. (US Rte. 1). Make next right onto Sound Beach Ave. After railroad underpass, turn left into station parking lot.

Riverside Train Station 1 Riverside Ave. Riverside, CT 06878-1616 (30.2 miles to Grand Central Station)


Greenwich Taxi: (203) 869-6000


Ramps to both platforms. The station was built before ADA law; therefore, ramps may not meet ADA requirements. Nearest accessible station: Stamford, Conn.

Ticket Office Hours

There is no staffed ticket office at this station.

Driving Directions

Northbound: From I-95 Southbound and Northbound, Exit 5. At end of ramp, turn left onto Putnam Ave. At light, turn left onto Riverside Ave. Station is 0.5 miles on the left.

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TYPICAL CLOSING COSTS TO SELL IN FAIRFIELD COUNTY Seller’s Responsibility Example $1,000,000 Sale Price State Conveyance Tax (paid by seller) calculated as follows: .75% on the first $800,000 = $6,000.00 1.25% on the balance of $200,000 = $2,500.00

Town of Greenwich Conveyance Tax (paid by seller) .25% on the Sale Price of $1,000,000 = $2,500.00  Town of Greenwich Real Estate Taxes: due July 1 and January 1 of each year. Depending on the closing date, an adjustment will be made (in the favor of the seller) on a per diem basis from the day of the closing through either December 31 or July 30. Town of Greenwich Recording Fees: $53.00 for first page $5.00 for each additional page of any document Utilities: Fuel oil, propane gas: Aquarian Water Co.:

credit to seller final bill paid by seller

Attorney’s fees: to be negotiated (approximately $750 - $3,500)

Capital Gains: consult attorney

Information provided by: Tom Ward of Ivey, Barnum & O’Mara, LLC; Rev. 3/27/15


Buyer’s Responsibility Example $1,000,000 Sale Price Legal Fees: $1,500 - $3,500 (depending on cost of house and attorney’s fee schedule). Title insurance: Determined according to purchase price Examples: Price of home - $1,000,000 - $3,190 Title Search: $600 Recording Fee: $53 for first page + $5 each additional page Bank Fees: Application Fee: up to $500+ (varies with lender) Credit Report: $30 Appraisal: $350 - $1,000 (determined according to purchase price) Pre-paid Interest: (covers interest on mortgage beginning from day of closing to the end of the month) Tax Service fee & Flood Certificate: $105 Tax Escrow: 2 - 6 months Miscellaneous fees the bank may charge: Document fee: $175 - $200 Administration fee: $300 Insurance Fees: Homeowners insurance (one year pre-paid) $2,000 and up Inspections: Building and termite: $1,000+ depending on inspection company Additional cost for septic, well, oil tank, radon, lead, etc. Check with inspection company. Other Costs: Property survey (if necessary): $1,200 - $1,600 Fuel adjustment (oil tank) - paid to seller Property tax adjustment - paid to seller Sewer adjustment, if applicable (service charge) - paid to seller


Buyer’s Guide for Properties in

Flood-Hazard Zones by Daniel Conlon


ome of the most beautiful and desirable properties in our area lie within designated flood hazard zones. Recent storms, including Hurricane Irene and Superstorm Sandy have brought sharp focus to the issues involved in coastal construction. If you are considering purchasing a property in a flood zone, here are some basics you need to know. Coastal flood zones are numbered to identify the Base Flood Elevation (BFE). This indicates the height above sea level of the design. There are two basic types of flood hazard zones: “A Zones” and “V Zones.” A Zones are subject to flooding in a 100-year storm, which is a storm that has a one-percent chance of occurring in any given year. V Zones are subject to flooding plus wave action in the same storm. The rules for new construction in the two zones are different. Homes in A Zones may not have basements, but can have crawlspaces and full foundation walls below the BFE, provided they meet certain design requirements. In Greenwich, the top of the lowest floor is required by zoning regulation to be one-foot higher than the BFE. Homes in V Zones must be constructed to allow water to pass under the structure unobstructed, so they are usually elevated on piers. In Greenwich, the bottom of the lowest support beam is required by zoning regulation to be one foot higher than the BFE.

What does this mean? Let’s say you have a coastal property at elevation 10. If it is in an AE 13 Zone, the first floor will need to be at Elevation 14 (four feet above the ground). If that same property is in a VE 15 Zone, the first floor will likely need to be at elevation 18 (BFE plus the thickness of the structure, plus one foot—eight feet above the ground). That’s a big difference.

What about existing homes? Ask to see a current Flood Elevation Certificate when considering a purchase. Because of changes in the flood regulations over the years, many existing homes do not meet the current regulations. They are legally non-conforming and allowed to remain, but 36

there are limitations on allowable improvements or repairs. The cumulative value of improvements is limited to 50 percent of the value of the structure (excluding land). Any home that exceeds that threshold must be made to comply. In many cases, this involves lifting the structure and filling an existing basement. If you choose to purchase a non-conforming structure, you can expect to pay higher flood insurance premiums. Homeowners are seeing significant annual increases as federal subsidies are phased out. In addition to flood zone requirements, your project will need to comply with other often conflicting regulations, including zoning, drainage and Coastal Area Management regulations. The town of Greenwich is among several that recently adopted changes in their zoning regulations to encourage property owners to meet the flood regulations.

How do I decide if a property is right for me? Consult an architect who has extensive experience in floodprone construction. Their understanding of the regulatory issues, cost implications and the design potential of your property will be invaluable in your decision-making process.

Daniel Conlon, AIA, Conlon Architects, Georgetown, CT, (203) 544-7988 To get an Elevation Certificate, call Aidan McCann, Sound View Engineers & Land Surveyors, LLC, (203) 532-1300

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Greenwich’s Green Space Regulations by Charles F. Hilton, AIA


he Town of Greenwich has classified all lots within its boundaries into zones, seven of which apply to single-family residences: RA-4, RA-2, RA-1, R-20, R-12, R-7 and R-6. These zone names are abbreviations that correspond to property lot size. For example, RA-4 refers to a property in a residential zone with four acres of land, while R-20 refers to a property in a residential zone with 20,000 square feet of land, and so on. Every property and its corresponding zone is depicted on the Building Zone Regulation Map of Greenwich, which is available at Town Hall. Greenwich’s green space requirements vary based on a property’s assigned zone. Chapter Six of the Greenwich Building and Zoning Municipal Code lists the minimum allowable green area per zone (Sec. 6-205). “Green area” is defined by the code as “naturally occurring property such as a wooded area, a rock outcrop, or grassed, manicured or landscaped areas.” The Green Area Requirement allows areas such as “rain gardens, patios, decks, small scale garden paths, and walkways less than 5 feet wide,” as well as necessary mechanical equipment and pads, septic systems and subterranean drainage systems used for retention, infiltration and water quality treatment to be included in the calculated percentage of green area. Conversely, elements such as tennis

courts, swimming pools, covered patios or decks, and areas paved with porous asphalt or concrete, permeable interlocking concrete pavers, amongst other materials, do not count toward the required green area percentage. Underground structures that reside less than three feet below grade also count against a property’s allowable green area (Sec. 6-5). While approximations of total green area can be calculated by a homeowner or an architect, the Town of Greenwich requires that a Class A-2 Zoning Location Survey or Improvement Location Survey be submitted to exhibit a property’s compliance with the code’s Green Area Requirement. A Class T-2 Topographic Survey is required for submittal when an underground structure is included on the property. These surveys are to be obtained by professional surveyors. For more reference material, individual divisions of the Greenwich Building and Zoning Municipal Code can be downloaded for free from the official Town of Greenwich website, www.greenwichct.org. Charles F. Hilton, AIA Charles Hilton Architects 170 Mason Street, Greenwich, CT 06830 (203) 489-3800 • Fax (203-489-3801 • www.hiltonarchitects.com Resource: Aidan McCann, Sound View Engineers & Land Surveyors, LLC, (203) 532-1300

Green Area Requirements Zone: Minimum Percent Green-Area Requirements:* RA-4












R-6 35% (single and two family) *Approximate Percentage of Green Area on Each Residentially Zoned Property Source: www.greenwichct.org


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Real Estate Terms A



Mortgage loan on which the interest rate falls and rises with changes in prevailing rates. The mortgage rate is tied to a selected index and may be adjusted annually. Also called a variable rate mortgage.

the price of property that must be paid by buyers and sellers before title is transferred. Also known as settlement costs.

the Federal National Mortgage Association which buys and sells loans on the secondary market.

Closing Statement: The statement

First Mortgage: Mortgage on a property that is superior to any other. It is the first to be paid in the event of foreclosure.

Adjustable-rate Mortgage (ARM):

Amortize: To pay a debt in monthly or other periodic installments until the total amount, along with interest, if any, is paid.





Combines the interest rate with other loan costs, such as points and loan fees, into a single figure that shows the true annual cost of borrowing for comparison purposes.

Appraisal: A formal estimate of property value conducted by a professional qualified to make such an opinion. “As Is” Condition: The condition of a

that lists the financial settlement between buyer and seller at closing. Also referred to as the HUD-1 or the settlement statement.

Commitment or Commitment Letter:

Freddie Mac: Common name for the

that keeps it from becoming binding until a certain event happens. A satisfactory inspection report might be a contingency.


Bi-weekly Payment Mortgage: Instead of the standard monthly payment schedule, a mortgage that requires payments every two weeks. The result for the borrower is a substantial savings in interest.

Bridge Loan/Equity Loan: A loan on a borrower’s present home (which is usually for sale) in a manner that allows the proceeds to be used for closing on a new house before the present home is sold. Also known as a “swing loan.”

Broom Clean: A term used to describe the condition of a building, delivered to a buyer or tenant. The term implies that the property is clean and free of debris.

Mortgage (FRM): A mortgage in which the interest rate does not change during the entire term of the loan.

Construction Loan: Short-term interim financing of real estate construction where the lender advances periodic disbursements to the builder as improvements are constructed on the mortgaged property. Usually followed by long-term financing.

Assessment: (1) The estimation of value

to property that has an existing mortgage and being personally liable for its payment as a condition of the sale.


Foreclosure: Legal action instigated by

Contingency: A provision in a contract

Assumption of Mortgage: Taking title

Fannie Mae: Common name given to

A written promise by a lender to make a loan to another for a specified amount and on specified terms.

property including all physical defects. of property for tax purposes. Assessments for real property tax purposes must be 70 percent of fair market value. (2) A local tax levied against property for a specific purpose (i.e., sewer).


Closing Costs: Expenses over and above



The figure, expressed as a percentage, resulting from comparing gross income to housing and non-housing expenses.

Down Payment: Initial cash investment made as evidence of good faith when purchasing real estate. It is usually a percentage of the sale price.


Equal Credit Opportunity Act (ECOA): A federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance.

Escrow Account: Special bank account into which escrow monies are deposited and from which they are disbursed. Lawyers and real estate brokers maintain escrow accounts to hold money in trust for others.

a lender to end all ownership rights when mortgage payments have not been kept up. Federal Home Loan Mortgage Corporation, which buys and sells loans in the secondary mortgage market.


Home Inspection: A thorough inspection that evaluates the structural and mechanical condition of a property. Historic Structures: Buildings of historical or architectural significance, perhaps landmarks that are designed by federal, state or local historical commissions. Homeowner’s



Packaged insurance policy for homeowners and tenants that covers property damage and public liability, such as fire and theft, and personal liability.

Housing Codes: Local regulations that set minimum conditions under which dwellings are considered fit for human habitation. It guards against unsatisfactory or unsafe conditions and overcrowding. HUD: Acronym for the Department of Housing and Urban Development, an agency from which almost all of the federal government’s housing programs flow.



Any form of land development or man-made addition, such as the erection of a building or fence, to enhance the value of private property; also an improvement to publicly-owned structures, such as sewers or roads.

Real Estate Terms Inspection:

The act of physically examining and testing a piece of property to ascertain certain information.

Installment Payment: Periodic payment, usually monthly, of interest and principal on a mortgage or other loan.


Jumbo Loan: A loan that exceeds Fannie

are split by mutual agreement between the listing broker and the selling broker.


Note: A legal document that obligates a borrower to repay a sum of money at a stated interest rate at a specified date or on demand. A note is usually secured by a mortgage or deed of trust.

Right of First Refusal: A provision in an agreement that requires the owner of a property to give another party the first opportunity to buy or lease that property before it is offered to anyone else. Right of Way: A strip of land used as a roadbed, either for a street or railway. The land is set aside as an easement or in fee, either by agreement or condemnation. May also be used to describe the right one has to pass over the land of another.

Mae’s legislated mortgage amount limits. Also called a non-conforming loan.



for granting and processing a new mortgage loan.


encumbers it until the obligation is paid; a mortgage, back taxes or other claim.


Listing: Contract used for hiring a real

and insurance.” Frequently used to describe a loan payment that combines all four items.

that is subordinate to a first mortgage. In the event of default, the second mortgage is repaid after the first. Also called a junior mortgage, and in some circumstances, a home equity loan.

Lien: A debt on a property which

estate agent to sell a piece of property. Also a piece of property that is for sale.

Loan Origination Fee: Paid by the borrower to get a loan; it covers expenses incurred by the lender, such as the cost of the appraisal, credit report, title search, etc.

Loan-to-Value Ratio: Relationship of a mortgage loan to the appraised value of a piece of property. Usually expressed to the buyer in terms of how much the lender will lend, i.e., 75 percent financing.


Mortgage: Legal document that creates a lien on property; it secures the repayment of a loan.

Mortgage Broker: Individual or company that brings borrowers and lenders together; a loan broker.

Origination Fee: A charge by the lender

PITI: Acronym for “principal, interest, taxes

Point/Discount Point: Fee charged by a lender to get additional revenue over the interest rate. A point is equal to one percent of the loan amount.

Pre-Approval: Process whereby buyer completes a mortgage application along with documentation to be submitted to mortgage underwriting for a conditional commitment for a loan amount. Pre-Qualification: Process whereby buyer provides bank or lender with an overall financial picture, including debt, income and assets. After evaluating this information, a lender can give you an idea of the mortgage amount for which you qualify.

Second Mortgage: Lien on property

Survey: A map or drawing of land, prepared by a registered land surveyor, showing the legal boundaries with reference to known points, dimensions and the location of buildings on the land, easements and encroachments.


Title: Actual ownership; the right of possession; also the evidence of ownership, such as a deed or bill of sale. Title Insurance: Any insurance policy that protects against any losses incurred because of defects in the title not listed in the title report or abstract.

Principal: The amount of money borrowed; the amount of money still owed.

Title Report: A statement of the current condition of title for a parcel of land.

Mortgage Company or Mortgage Banker: Financial intermediary that offers


Title Search: A professional examination

mortgages to borrowers and then resells them to various lending institutions, government agencies or private investors.

potential buyer’s needs, abilities and urgency to buy, and matching these with available properties.

Mortgagor: Party or person that borrows money, giving a lien on the property as security for the loan; the borrower.


Multiple Listing: Agreement that allows real estate brokers to distribute information on the properties they have listed for sale to other members of a local real estate organization. Allows the widest possible marketing of those properties. Commissions

Qualification: Act of determining a

RESPA (Real Estate Settlement Procedures Act): A federal statute effective June 1975, requiring federally insured lenders to provide home mortgage borrowers with information of known or estimated settlement costs in the sale of residential (one to four family) improved property.

of public records to determine the chain of ownership of a particular piece of property and to note any liens, encumbrances, easements, restrictions or other factors that might affect the title.

U Underwriting: The process of evaluating a loan application to determine the risk involved for the lender. Underwriting involves an analysis of the borrower’s credit worthiness and the quality of the property itself.

Sources: “Encyclopedia of Real Estate Terms” 2nd edition, Damien Abbott; realtor.org; real-estate.lawyers.com


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