15 Pearl St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 15 Pearl St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,227 sqft · built 1951
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Dec 2025)
Tax Bill	$4,336 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINL M:12 B:10 L:8`

Property Details

APN / Parcel Number

Primary APN	`WINL M:12 B:10 L:8`
Alternative APNs	`00339000` `339000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,227 sqft Living Area
Gross Area	1,059 sqft
1st Floor Area	665 sqft
Basement Area	525 sqft
Unfinished Basement	525 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	339000
Street Address	15 PEARL ST
City	WINDSOR LOCKS
State	CT
Zip	06096-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	10
Legal Lot Number	8
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	3
Census Block	3022
Census Tract	476100

Owner

Source: Windsor Locks Town records, as of June 25, 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	15 PEARL ST, WINDSOR LOCKS, CT 06096-1421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Warranty Deed, Transfer · Conventional Mortgage NORCOM MORTGAGE
Aug 19, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST WORLD MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Aug 19, 2019 · Amount on Record
Deed Book / Page	551 / 1081
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Dec 18, 2025
Property Address	15 PEARL ST, WINDSOR LOCKS, CT 06096-1421
Document Number	00551-1081
Book / Page	551 / 1081
Instrument Date	Dec 18, 2025
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2444490017
Date	Dec 18, 2025
Instrument	2444490017

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	00000552-1
Date	Dec 18, 2025
Book Page	552/1
Instrument	2444500003

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	109 Months
Due	Jan 1, 2035

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Aug 19, 2019
Property Address	15 PEARL ST, WINDSOR LOCKS, CT 06096-1421
Document Number	487-841
Book / Page	487 / 841
Instrument Date	Aug 8, 2019
Instrument	837410002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 PEARL ST, WINDSOR LOCKS, CT 06096-1421

Mortgage

Document Number	837420010
Date	Aug 19, 2019
Instrument	837420010

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Windsor Locks Town assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$180,740 (+57.63%) Land $55,230 Building $125,510	$126,518 Land $38,661 Building $87,857
2024	$4,336.00 (+34.37%)	$114,660 (-) Land $38,780 Building $75,880
2023	$3,227.00 (+8.95%)	$114,660 (-) Land $38,780 Building $75,880
2022	$2,962.00	$114,660 Land $38,780 Building $75,880

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CTWC - NORTHERN REG-WESTERN SYSTEM private · serves 101,313 people · EPA ID CT0473011
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 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
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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