190 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 190 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,050 sqft · built 1950
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Feb 2026)
Tax Bill	$5,684 (2024)
Deeds & Mortgages	Feb 2026 Sale Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:35 B:61 L:2`

Property Details

APN / Parcel Number

Primary APN	`WINL M:35 B:61 L:2`
Alternative APNs	`00001500` `1500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,050 sqft Living Area
1st Floor Area	1,348 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1500
Street Address	190 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	61
Legal Lot Number	2
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	1
Census Block	1012
Census Tract	476200

Owner

Source: Windsor Locks Town records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	190 ELM ST, WINDSOR LOCKS, CT 06096-2230
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Warranty Deed, Transfer
Feb 15, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 15, 2021	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jan 14, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2026 · Amount on Record
Deed Sale	Feb 18, 2026 · Amount on Record
Prior Sale	Oct 15, 2021 · Amount on Record
Deed Book / Page	553 / 143
Prior Transfer Date	Jan 11, 2021
Prior Transfer Doc	501-485
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Feb 18, 2026
Property Address	190 ELM ST, WINDSOR LOCKS, CT 06096-2230
Document Number	000553-143
Book / Page	553 / 143
Instrument Date	Jan 23, 2026
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	190 ELM ST, WINDSOR LOCKS, CT 06096-2230

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	190 ELM ST, WINDSOR LOCKS, CT 06096-2230
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000533-398
Date	Feb 15, 2024
Book Page	533/398
Instrument	1713540006

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Mar 1, 2064

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Oct 15, 2021
Property Address	190 ELM ST, WINDSOR LOCKS, CT 06096-2230
Document Number	511-911
Book / Page	511 / 911
Instrument Date	Oct 14, 2021
Instrument	1241590003
Transaction Type	Transfer
Record Updated	Oct 28, 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
Relationship	Joint Tenants
Investor	Possibly a Property Investor

Mortgage

Document Number	1241600015
Date	Oct 15, 2021
Instrument	1241600015

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jan 14, 2021
Property Address	190 ELM ST, WINDSOR LOCKS, CT 06096-2230
Document Number	501-485
Book / Page	501 / 485
Instrument Date	Jan 11, 2021
Instrument	892290002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 ELM ST, WINDSOR LOCKS, CT 06096-2230

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		$236,950 (+70.1%) Land $54,040 Building $182,910	$165,865 Land $37,828 Building $128,037
2024	$5,684.00 (+45%)	$139,300 (-) Land $43,190 Building $96,110
2023	$3,920.00 (+8.95%)	$139,300 (-) Land $43,190 Building $96,110
2022	$3,598.00	$139,300 Land $43,190 Building $96,110

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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	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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