199 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 199 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,136 sqft · built 1951
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (May 2021)
Tax Bill	$5,747 (2024)
Deeds & Mortgages	May 2021 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:35 B:80 L:55`

Property Details

APN / Parcel Number

Primary APN	`WINL M:35 B:80 L:55`
Alternative APNs	`00155800` `155800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,136 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	155800
Street Address	199 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	80
Legal Lot Number	55
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2002
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	199 ELM ST, WINDSOR LOCKS, CT 06096-2204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CONNECTICUT HOUSING FINANCE AUTHORITY
May 4, 2021	Warranty Deed, Transfer · Balloon Mortgage PROSPERITY HOME MORTGAGE LLC
Dec 27, 2017	Warranty Deed, Transfer · VA Mortgage VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Prior Sale	Dec 27, 2017 · Amount on Record
Deed Document Number	2021929910003
Deed Book / Page	505 / 1055
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	199 ELM ST, WINDSOR LOCKS, CT 06096-2204
Transaction Type	Mortgage
Record Updated	May 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	505-1071
Date	May 4, 2021
Book Page	505/1071
Instrument	929930004

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	May 4, 2021
Property Address	199 ELM ST, WINDSOR LOCKS, CT 06096-2204
Document Number	505-1055
Book / Page	505 / 1055
Instrument Date	Apr 30, 2021
Instrument	929910003
Transaction Type	Transfer
Record Updated	May 20, 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	199 ELM ST, WINDSOR LOCKS, CT 06096-2204

Mortgage

Document Number	929920013
Date	May 4, 2021
Instrument	929920013

Lender

Name	PROSPERITY HOME MORTGAGE LLC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Dec 27, 2017
Property Address	199 ELM ST, WINDSOR LOCKS, CT 06096-2204
Document Number	472-637
Book / Page	472 / 637
Instrument	717660002
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$37.46
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	4720639
Date	Dec 27, 2017
Instrument	00472/0639

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 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		$239,540 (+58.57%) Land $52,990 Building $186,550	$167,678 Land $37,093 Building $130,585
2024	$5,747.00 (+35.19%)	$151,060 (-) Land $39,760 Building $111,300
2023	$4,251.00 (+8.94%)	$151,060 (-) Land $39,760 Building $111,300
2022	$3,902.00	$151,060 Land $39,760 Building $111,300

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	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 146 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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