23 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 23 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,180 sqft · built 1890
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,000 (Jan 2023)
Tax Bill	$3,587 (2024)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:36 B:58 L:11`

Property Details

APN / Parcel Number

Primary APN	`WINL M:36 B:58 L:11`
Alternative APNs	`00152000` `152000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,180 sqft Living Area
Gross Area	1,087 sqft
1st Floor Area	621 sqft
Basement Area	717 sqft
Unfinished Basement	325 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	152000
Street Address	23 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BUS2
Legal Block	58
Legal Lot Number	11
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	1
Census Block	1004
Census Tract	476100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Enfield Canal listed 1976 · 2 contributing resources · NRIS 76001998

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	23 ELM ST, WINDSOR LOCKS, CT 06096-2303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage EASTHAMPTON SAVINGS BANK
Dec 21, 2020	Quit Claim Deed, Transfer UNKNOWN
May 14, 2018	Deed of Trust, Mortgage · Line of Credit SAVINGS INSTITUTE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Book / Page	524 / 86
Prior Transfer Date	Dec 18, 2020
Prior Transfer Doc	500-695
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jan 23, 2023
Property Address	23 ELM ST, WINDSOR LOCKS, CT 06096-2303
Document Number	0000524-86
Book / Page	524 / 86
Instrument Date	Jan 20, 2023
Transaction Type	Transfer
Record Updated	Feb 16, 2023

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	100 COTE AVE APT 1L, 1L, CHICOPEE, MA 01020-1057

Mortgage

Document Number	1305860019
Date	Jan 23, 2023
Instrument	1305860019

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Feb 1, 2030
Max Rate At Change	2.75%
Index	Other

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Dec 21, 2020
Property Address	23 ELM ST, WINDSOR LOCKS, CT 06096-2303
Document Number	500-695
Book / Page	000500 / 000695
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	64 VARGA RD ASHFORD CT 062781806, ASHFORD, CT 06278-1806

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	23 ELM ST, WINDSOR LOCKS, CT 06096-2303
Document Number	475-813
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ELM ST WINDSOR LOCKS CT 060962303, WINDSOR LOCKS, CT 06096-2303

Mortgage

Document Number	475-813
Date	May 15, 2018
Book Page	000475/000813
Instrument	782100018

Lender

Name	SAVINGS INSTITUTE
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Interest

Rate Type	Adjustable Rate

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		$149,520 (+91.06%) Land $48,090 Building $101,430	$104,664 Land $33,663 Building $71,001
2024	$3,587.00 (+62.9%)	$78,260 (-) Land $31,500 Building $46,760
2023	$2,202.00 (+8.96%)	$78,260 (-) Land $31,500 Building $46,760
2022	$2,021.00	$78,260 Land $31,500 Building $46,760

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 90% of Connecticut
Wildfire Likelihood	Under 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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures