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

Windsor Locks Town property record for 221 S Elm St, Windsor Locks, CT 06096

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,094 sqft · built 1956
Lot Size0.34 acres (14,810 sqft)
OwnerIndividual Name on File
Last Sale$184,500 (Mar 2021)
Tax Bill$4,685 (2024)
Deeds & MortgagesMar 2021 Mortgage
Mar 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APNWINL M:47 B:108 L:3

Property Details

APN / Parcel Number

Primary APNWINL M:47 B:108 L:3
Alternative APNs
  • 00392700
  • 392700

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,094 sqft Living Area
1st Floor Area1,094 sqft
Basement Area1,094 sqft
Unfinished Basement1,094 sqft

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1956
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area14,810 sqft (0.34 acres)
Garage TypeCarport
CarportCarport
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number392700
Street Address221 S ELM ST
CityWINDSOR LOCKS
StateCT
Zip06096-2654
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRESA
Legal Block108
Legal Lot Number3
JurisdictionWINDSOR LOCKS CT
Township / Civil DivisionWINDSOR LOCKS
Census Block Group4
Census Block4007
Census Tract476300

Owner

221 S Elm St is owned and occupied by an individual who bought it in March 2021.

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

Owner of RecordIndividual Name on File
Mailing Address221 S ELM ST, WINDSOR LOCKS, CT 06096-2654
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Mar 22, 2021Deed of Trust, Mortgage · Second Mortgage (Down Payment)
CONNECTICUT HOUSING FINANCE AUTHORITY
Mar 22, 2021Warranty Deed, Transfer · Balloon Mortgage
CHARTER OAK FCU
Dec 7, 2020Warranty Deed, Transfer
UNKNOWN
Sep 11, 2018Warranty Deed, Transfer · VA Mortgage
USAA FEDL S&L

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 22, 2021 · Amount on File
Deed SaleMar 22, 2021 · Amount on File
Prior SaleSep 11, 2018 · Amount on File
Deed Document Number2021920510005
Deed Book / Page504 / 197
Record UpdatedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINDSOR LOCKS CT
Property Address221 S ELM ST, WINDSOR LOCKS, CT 06096-2654
Transaction TypeMortgage
Record UpdatedApr 8, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number504-222
DateMar 22, 2021
Book Page504/222
Instrument920530004
Lender
NameCONNECTICUT HOUSING FINANCE AUTHORITY
TypeGovernment Agency
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount on Record
Term361 Months
DueApr 1, 2051

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINDSOR LOCKS CT
Recording DateMar 22, 2021
Property Address221 S ELM ST, WINDSOR LOCKS, CT 06096-2654
Document Number504-197
Book / Page504 / 197
Instrument DateMar 17, 2021
Instrument920510005
Transaction TypeTransfer
Record UpdatedMay 21, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address221 S ELM ST, WINDSOR LOCKS, CT 06096-2654

Mortgage

Document Number920520020
DateMar 22, 2021
Instrument920520020
Lender
NameCHARTER OAK FCU
TypeCredit Union
Agreement
TypeBalloon Mortgage
AmountAmount on Record

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINDSOR LOCKS CT
Recording DateDec 7, 2020
Property Address221 S ELM ST, WINDSOR LOCKS, CT 06096-2654
Document Number500-82
Book / Page000500 / 000082
Instrument DateNov 24, 2020
Transaction TypeTransfer
Record UpdatedDec 29, 2020
Title CompanyUNKNOWN

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1240 E 9TH ST CLEVELAND OH 441999904, CLEVELAND, OH 44199-9904

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINDSOR LOCKS CT
Recording DateSep 11, 2018
Property Address221 S ELM ST, WINDSOR LOCKS, CT 06096-2654
Document Number479-123
Book / Page000479 / 000123
Instrument DateSep 7, 2018
Instrument5160002
Transaction TypeTransfer
Record UpdatedOct 2, 2018

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$176.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address221 S ELM ST WINDSOR LOCKS CT 060962654, WINDSOR LOCKS, CT 06096-2654

Mortgage

Document Number479-125
DateSep 11, 2018
Book Page000479/000125
Instrument5170017
Lender
NameUSAA FEDL S&L
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueSep 10, 2048

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$195,300 (+80.35%) Land $57,470 Building $137,830$136,710 Land $40,229 Building $96,481
2024$4,685.00 (+53.76%)$108,290 (-) Land $44,660 Building $63,630
2023$3,047.00 (+8.94%)$108,290 (-) Land $44,660 Building $63,630
2022$2,797.00$108,290 Land $44,660 Building $63,630

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

Flood

FEMA maps place 221 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 221 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 97% of the US · lower than 95% 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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