Generally, yes, unless you're on a well situation in which case who the fuck knows. Houses likely have their homeowner's valve underneath while city/county valves are out in the yard near the sewer connection. The city's/county's will probably require a water/meter key to turn, though. If you bought yourself a house, the inspection report should note the location of your homeowner's valve. For me it's in the crawl space; there's a pipe that taps into the county's shit, and where that meets up with the house's pipes there's a valve with a big-ass handle. City properties likely have the homeowner and city valves near each other in the yard.

Edit: What refrigerator is #1 in your books?