165 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 165 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,540 sqft · built 1865
Lot Size	1.38 acres (60,113 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Aug 2021)
Tax Bill	$7,762 (2024)
Deeds & Mortgages	May 2026 Mortgage Jan 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:35 B:81 L:27`

Property Details

APN / Parcel Number

Primary APN	`WINL M:35 B:81 L:27`
Alternative APNs	`00024000` `24000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,540 sqft Living Area
1st Floor Area	1,967 sqft
Basement Area	1,573 sqft
Unfinished Basement	1,573 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	60,113 sqft (1.38 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	24000
Street Address	165 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	81
Legal Lot Number	27
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2000
Census Tract	476300

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	165 ELM ST, WINDSOR LOCKS, CT 06096-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jan 10, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 18, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Aug 20, 2003 · Amount on Record
Deed Book / Page	509 / 925
Transfer Doc	442-244
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Recording Date	May 6, 2026
Property Address	165 ELM ST, WINDSOR LOCKS, CT 06096-2215
Document Number	000555-837
Book / Page	555 / 837
Instrument Date	Apr 14, 2026
Instrument	20262588460007
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 ELM ST, WINDSOR LOCKS, CT 06096-2215

Mortgage

Document Number	2588460007,
Date	May 6, 2026
Book Page	555/837
Instrument	20262588460007

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.22%
Max Rate	-1%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	165 ELM ST, WINDSOR LOCKS, CT 06096-2215
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000542-653
Date	Jan 10, 2025
Book Page	542/653
Instrument	2606269005

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Feb 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Aug 18, 2021
Property Address	165 ELM ST, WINDSOR LOCKS, CT 06096-2215
Document Number	000509-925
Book / Page	509 / 925
Instrument Date	Aug 16, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 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
Address	165 ELM ST, WINDSOR LOCKS, CT 06096-2215

Mortgage

Document Number	0000509929
Date	Aug 18, 2021
Instrument	509/929

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$323,540 (+55.31%) Land $70,560 Building $252,980	$226,478 Land $49,392 Building $177,086
2024	$7,762.00 (+32.41%)	$208,320 (-) Land $61,670 Building $146,650
2023	$5,862.00 (+8.94%)	$208,320 (-) Land $61,670 Building $146,650
2022	$5,381.00	$208,320 Land $61,670 Building $146,650

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 97% of the US · lower than 95% 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 274 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 · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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