Windsor Town property record for 12 Cottage St, Windsor, CT 06095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,305 sqft · built 1900 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Aug 2019) |
| Tax Bill | $4,688 (2024) |
| Deeds & Mortgages | Mar 2024 Line of Credit Aug 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5002.00 |
| Primary APN | 5002.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,305 sqft Living Area |
| Gross Area | 2,235 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 5002.00 |
|---|---|
| Street Address | 12 COTTAGE ST |
| City | WINDSOR |
| State | CT |
| Zip | 06095-3338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 479 |
| Legal Lot Number | 32 |
| Jurisdiction | WINDSOR CT |
| Township / Civil Division | WINDSOR |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 473700 |
Source: Windsor Town records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12 COTTAGE ST, WINDSOR, CT 06095-3338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Mar 6, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 7, 2024 | Warranty Deed, Transfer |
| Nov 18, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Aug 12, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2019 · Amount on Record |
| Deed Sale | Aug 12, 2019 · Amount on Record |
| Prior Sale | Jun 13, 2008 · Amount on Record |
| Deed Document Number | 20192660 |
| Deed Book / Page | 1877 / 825 |
| Last Transfer Date | Oct 16, 2021 |
| Transfer Doc | 01923-1120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR CT |
| Property Address | 12 COTTAGE ST, WINDSOR, CT 06095-3338 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001962-443 |
|---|---|
| Date | Mar 6, 2024 |
| Book Page | 1962/443 |
| Instrument | 2024-00643 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINDSOR CT |
| Recording Date | Aug 7, 2024 |
| Property Address | 12 COTTAGE ST, WINDSOR, CT 06095-3338 |
| Document Number | 001968-123 |
| Book / Page | 1968 / 123 |
| Instrument Date | Jun 25, 2024 |
| Instrument | 2024-02191 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINDSOR CT |
| Recording Date | Nov 18, 2021 |
| Property Address | 12 COTTAGE ST, WINDSOR, CT 06095-3338 |
| Document Number | 01923-1120 |
| Book / Page | 1923 / 1120 |
| Instrument Date | Oct 16, 2021 |
| Instrument | 2021-05549 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 COTTAGE ST, WINDSOR, CT 06095-3338 |
| Document Number | 0202105550 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 2021-05550 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINDSOR CT |
| Recording Date | Aug 12, 2019 |
| Property Address | 12 COTTAGE ST, WINDSOR, CT 06095-3338 |
| Document Number | 1877-825 |
| Book / Page | 1877 / 825 |
| Instrument Date | Aug 5, 2019 |
| Instrument | 2019-02660 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 201902661 |
|---|---|
| Date | Aug 12, 2019 |
| Instrument | 2019-02661 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Windsor Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Windsor Town |
| Unified School District | Windsor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $164,780 (-) Land $54,460 Building $110,320 | $115,346 Land $38,122 Building $77,224 | |
| 2024 | $4,688.00 (-6.16%) | $164,780 (+79.83%) Land $54,460 Building $110,320 | |
| 2023 | $4,996.00 (+63.86%) | $91,630 (-) Land $38,220 Building $53,410 | |
| 2022 | $3,049.00 | $91,630 Land $38,220 Building $53,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 29, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 92% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | METROPOLITAN DISTRICT COMMISSION serves 390,887 people · EPA ID CT0640011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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