Winchester Town property record for 120 E Lake St, Winsted, CT 06098
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,103 sqft · built 1880 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,625 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jan 2026 Line of Credit |
| APN | WINC M:114 B:087 L:026 |
| Primary APN | WINC M:114 B:087 L:026 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,103 sqft Living Area |
| Gross Area | 3,817 sqft |
| 1st Floor Area | 1,119 sqft |
| Attic | Attic |
| Attic Area | 660 sqft |
| Basement Area | 765 sqft |
| Unfinished Basement | 765 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Log |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,136 sqft (0.6 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1025 |
|---|---|
| Street Address | 120 E LAKE ST |
| City | WINSTED |
| State | CT |
| Zip | 06098-1912 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R-3 |
| Legal Block | 87 |
| Legal Lot Number | 26 |
| Jurisdiction | WINCHESTER CT |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 320200 |
Source: Winchester Town records, as of July 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 120 E LAKE ST, WINSTED, CT 06098-1912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage COMMERCIAL LENDER LLC |
| Jan 14, 2026 | Deed of Trust, Mortgage · Line of Credit NORTHWEST COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CT |
| Recording Date | Sep 2, 2026 |
| Property Address | 120 E LAKE ST, WINSTED, CT 06098-1912 |
| Document Number | 0000001912 |
| Book / Page | 499 / 487 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 20261912 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001912, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 499/487 |
| Instrument | 20261912 |
| Name | COMMERCIAL LENDER LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER CT |
| Property Address | 120 E LAKE ST, WINSTED, CT 06098-1912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000494-984 |
|---|---|
| Date | Jan 14, 2026 |
| Book Page | 494/984 |
| Instrument | 1561610010 |
| Name | NORTHWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2051 |
Source: Winchester Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Winchester Town |
| Unified School District | Winchester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,625.00 | $192,850 (-) Land $53,060 Building $139,790 | $134,995 Land $37,142 Building $97,853 |
| 2024 | $5,625.00 (+10.53%) | ||
| 2023 | $5,089.00 (+33.99%) | $192,850 (+70.32%) Land $53,060 Building $139,790 | |
| 2022 | $3,798.00 | $113,230 Land $31,260 Building $81,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
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 94% of the US · lower than 90% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINSTED WATER WORKS serves 7,784 people · EPA ID CT1620011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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