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

Windsor Locks Town property record for 189 S Elm St, Windsor Locks, CT 06096

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,828 sqft · built 1950
Lot Size1.56 acres (67,954 sqft)
OwnerIndividual Name on File
Last Sale$120,000 (Oct 1999)
Tax Bill$6,200 (2024)
Deeds & MortgagesSep 2019 Mortgage
Sep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APNWINL M:47 B:76 L:22

Property Details

APN / Parcel Number

Primary APNWINL M:47 B:76 L:22
Alternative APNs
  • 00392000
  • 392000

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,828 sqft Living Area
1st Floor Area1,828 sqft
AtticAttic
Attic Area525 sqft
Basement Area1,092 sqft
Unfinished Basement502 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialShingle
Lot Area67,954 sqft (1.56 acres)
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number392000
Street Address189 S ELM ST
CityWINDSOR LOCKS
StateCT
Zip06096-2124
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRESA
Legal Block76
Legal Lot Number22
JurisdictionWINDSOR LOCKS CT
Township / Civil DivisionWINDSOR LOCKS
Census Block Group4
Census Block4000
Census Tract476300

Owner

189 S Elm St is owned and occupied by an individual who bought it in October 1999.

Source: Windsor Locks Town records, as of June 25, 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 RecordIndividual Name on File
Mailing Address189 S ELM ST, WINDSOR LOCKS, CT 06096-2124
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
PEOPLESBANK (HOLYOKE MA)
Sep 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
PEOPLESBANK (HOLYOKE MA)

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 22, 1999 · Amount on File
Deed SaleOct 22, 1999 · Amount on File
Prior SaleJun 12, 1995 · Amount on File
Deed Book / Page261 / 488
Transfer Doc0261000488
Record UpdatedSep 20, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINDSOR LOCKS CT
Property Address189 S ELM ST, WINDSOR LOCKS, CT 06096-2124
Document Number488-700
Instrument DateSep 20, 2019
Transaction TypeMortgage
Record UpdatedOct 15, 2019
Title CompanyUNKNOWN

Transferred To (Grantee/Buyer)

NameVerified Name
Address189 S ELM ST WINDSOR LOCKS CT 060962124, WINDSOR LOCKS, CT 06096-2124

Mortgage

Document Number488-700
DateSep 25, 2019
Book Page000488/000700
Lender
NamePEOPLESBANK (HOLYOKE MA)
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueSep 24, 2039

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINDSOR LOCKS CT
Property Address189 S ELM ST, WINDSOR LOCKS, CT 06096-2124
Document Number488-685
Instrument DateSep 20, 2019
Transaction TypeMortgage
Record UpdatedOct 15, 2019
Title CompanyUNKNOWN

Transferred To (Grantee/Buyer)

NameVerified Name
Address189 S ELM ST WINDSOR LOCKS CT 060962124, WINDSOR LOCKS, CT 06096-2124

Mortgage

Document Number488-685
DateSep 25, 2019
Book Page000488/000685
Lender
NamePEOPLESBANK (HOLYOKE MA)
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 24, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateConnecticut
County SubdivisionWindsor Locks Town
Unified School DistrictWindsor Locks School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$258,440 (+61.36%) Land $76,370 Building $182,070$180,908 Land $53,459 Building $127,449
2024$6,200.00 (+37.56%)$160,160 (-) Land $64,470 Building $95,690
2023$4,507.00 (+8.94%)$160,160 (-) Land $64,470 Building $95,690
2022$4,137.00$160,160 Land $64,470 Building $95,690

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

Flood

FEMA maps place 189 S Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 29, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 189 S Elm St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.2% of Connecticut
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCTWC - NORTHERN REG-WESTERN SYSTEM
private · serves 101,313 people · EPA ID CT0473011
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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

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