Windsor Locks Town property record for 245 S Elm St, Windsor Locks, CT 06096
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | Company Name on File |
| Last Sale | $550,000 (Dec 2022) |
| Tax Bill | $10,007 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 393600 |
| Primary APN | 393600 |
|---|---|
| Alternative APNs |
|
| Lot Area | 69,696 sqft (1.6 acres) |
|---|---|
| Deck Area | Deck Area |
| Total Buildings | 3 Buildings |
| Cooling System | HVAC |
|---|
| Account Number | 393600 |
|---|---|
| Street Address | 245 S ELM ST |
| City | WINDSOR LOCKS |
| State | CT |
| Zip | 06096-2611 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | RAA |
| Legal Block | 127 |
| Legal Lot Number | 104 |
| Jurisdiction | WINDSOR LOCKS CT |
| Township / Civil Division | WINDSOR LOCKS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 476300 |
245 S Elm St, a residential property, is owned by a company that acquired it in November 2025.
Source: Windsor Locks Town records, as of June 25, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 245 S ELM ST, WINDSOR LOCKS, CT 06096-2611 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · ARM LIBERTY BANK |
| Nov 4, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Oct 23, 2023 | Deed of Trust, Mortgage · ARM LIBERTY BANK |
| Dec 22, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2022 · Amount on File |
| Deed Sale | Dec 22, 2022 · Amount on File |
| Prior Sale | Sep 3, 2003 · Amount on File |
| Deed Book / Page | 523 / 620 |
| Last Transfer Date | Nov 3, 2025 |
| Transfer Doc | 00550-1052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Recording Date | Apr 23, 2026 |
| Property Address | 245 S ELM ST, WINDSOR LOCKS, CT 06096-2611 |
| Document Number | 000555-521 |
| Book / Page | 555 / 521 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 20262578730028 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2578730028, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 555/521 |
| Instrument | 20262578730028 |
| Name | LIBERTY BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Initial Type | Adjustable Rate |
| Type Change Date | May 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Recording Date | Nov 4, 2025 |
| Property Address | 245 S ELM ST, WINDSOR LOCKS, CT 06096-2611 |
| Document Number | 00550-1052 |
| Book / Page | 550 / 1052 |
| Instrument Date | Nov 3, 2025 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Property Address | 245 S ELM ST, WINDSOR LOCKS, CT 06096-2611 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000531-123 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 531/123 |
| Instrument | 1651690026 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Nov 1, 2030 |
| Index | Other |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Recording Date | Dec 22, 2022 |
| Property Address | 245 S ELM ST, WINDSOR LOCKS, CT 06096-2611 |
| Document Number | 000523-620 |
| Book / Page | 523 / 620 |
| Instrument Date | Dec 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 CRYSTAL COR, ENFIELD, CT 06082-5602 |
| Document Number | 1304470019 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 1304470019 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: Windsor Locks Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Windsor Locks Town |
| Unified School District | Windsor Locks School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $417,130 (+57.65%) Land $77,070 Building $340,060 | $291,991 Land $53,949 Building $238,042 | |
| 2024 | $10,007.00 (+34.39%) | $264,600 (-) Land $65,100 Building $199,500 | |
| 2023 | $7,446.00 (+8.94%) | $264,600 (-) Land $65,100 Building $199,500 | |
| 2022 | $6,835.00 | $264,600 Land $65,100 Building $199,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 245 S Elm St in Zone X, an area of minimal flood risk.
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 risk around 245 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 Risk | Low lower than 97% of the US · lower than 95% of Connecticut |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 285 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 | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures