181 S Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 181 S Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,210 sqft · built 1964
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$192,000 (Oct 2017)
Tax Bill	$4,603 (2024)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINL M:47 B:76 L:23`

Property Details

APN / Parcel Number

Primary APN	`WINL M:47 B:76 L:23`
Alternative APNs	`00391900` `391900`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,210 sqft Living Area
Gross Area	1,296 sqft
1st Floor Area	864 sqft
Attic	Attic
Attic Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	21,344 sqft (0.49 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	391900
Street Address	181 S ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Subdivision	RIVERS EDGE CONDO
Legal Block	76
Legal Lot Number	23
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	4
Census Block	4000
Census Tract	476300

Owner

181 S Elm St is owned and occupied by an individual who bought it in October 2017.

Source: Windsor Locks Town records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	181 S ELM ST, WINDSOR LOCKS, CT 06096-2124
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2017 · Amount on File
Deed Sale	Oct 30, 2017 · Amount on File
Prior Sale	Jan 23, 1997 · Amount on File
Deed Document Number	2017698140002
Deed Book / Page	470 / 1046
Record Updated	Oct 29, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Oct 30, 2017
Property Address	181 S ELM ST, WINDSOR LOCKS, CT 06096-2124
Document Number	470-1046
Book / Page	000470 / 001046
Instrument Date	Oct 27, 2017
Instrument	69814
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 S ELM ST WINDSOR LOCKS CT 060962124, WINDSOR LOCKS, CT 06096-2124

Mortgage

Document Number	470-1048
Date	Oct 30, 2017
Book Page	000470/001048
Instrument	69815

Lender

Name	HOMEWARD RESID'L

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

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		$191,870 (+56.18%) Land $59,710 Building $132,160	$134,309 Land $41,797 Building $92,512
2024	$4,603.00 (+33.15%)	$122,850 (-) Land $47,600 Building $75,250
2023	$3,457.00 (+8.95%)	$122,850 (-) Land $47,600 Building $75,250
2022	$3,173.00	$122,850 Land $47,600 Building $75,250

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

Flood

FEMA maps place 181 S Elm St in Zone X, an area of minimal flood risk.

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

The area around 181 S Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 285 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