20 Laurel St, Winsted, CT 06098 Property Records

Winchester Town property record for 20 Laurel St, Winsted, CT 06098

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,459 sqft · built 1970
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Oct 2022)
Tax Bill	$4,752 (2025)
Deeds & Mortgages	Aug 2021 Refinance Dec 2024 Transfer + 2 more
APN	`WINC M:109 B:092 L:019A`

Property Details

APN / Parcel Number

Primary APN	`WINC M:109 B:092 L:019A`
Alternative APNs	`WSTR M:109 B:092 L:019A` `4245`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,459 sqft Living Area
Gross Area	4,620 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4245
Street Address	20 LAUREL ST
City	WINSTED
State	CT
Zip	06098-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Block	92
Legal Lot Number	19A
Jurisdiction	WINCHESTER CT
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2002
Census Tract	320200

Owner

Source: Winchester 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	20 LAUREL ST, WINSTED, CT 06098-1414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Dec 11, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 3, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNION SAVINGS BANK
Oct 3, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	Feb 26, 2004 · Amount on Record
Deed Document Number	202220220-00002558
Deed Book / Page	472 / 1009
Last Transfer Date	Dec 3, 2024
Transfer Doc	000487-510
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CT
Property Address	20 LAUREL ST, WINSTED, CT 06098-1414
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000463-815
Date	Aug 19, 2021
Book Page	463/815

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER CT
Recording Date	Dec 11, 2024
Property Address	20 LAUREL ST, WINSTED, CT 06098-1414
Document Number	000487-510
Book / Page	487 / 510
Instrument Date	Dec 3, 2024
Instrument	20240-00003071
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINCHESTER CT
Recording Date	Oct 3, 2022
Property Address	20 LAUREL ST, WINSTED, CT 06098-1414
Document Number	00472-1009
Book / Page	472 / 1009
Instrument Date	Sep 30, 2022
Instrument	20220-00002558
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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
Address	301 PINERIDGE RD, TORRINGTON, CT 06790-4014

Mortgage

Document Number	1337840023
Date	Oct 3, 2022
Instrument	1337840023

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	Oct 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINCHESTER CT
Recording Date	Oct 3, 2022
Property Address	20 LAUREL ST, WINSTED, CT 06098-1414
Document Number	00472-1007
Book / Page	472 / 1007
Instrument Date	Sep 26, 2022
Instrument	20220-00002557
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

Source: Winchester Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,752.00 (+11.08%)	$162,890 (+0.47%) Land $33,880 Building $129,010	$114,023 Land $23,716 Building $90,307
2023	$4,278.00 (+9.19%)	$162,120 (+38.77%) Land $33,110 Building $129,010
2022	$3,918.00	$116,830 Land $24,080 Building $92,750

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

FEMA Flood Zone	Not on file

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	WINSTED WATER WORKS serves 7,784 people · EPA ID CT1620011
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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