259 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 259 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,276 sqft · built 1908
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,400 (Mar 2004)
Tax Bill	$3,945 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINL M:34 B:78 L:98`

Property Details

APN / Parcel Number

Primary APN	`WINL M:34 B:78 L:98`
Alternative APNs	`00156700` `156700`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,276 sqft Living Area
1st Floor Area	670 sqft
Attic	Attic
Attic Area	606 sqft
Basement Area	606 sqft
Unfinished Basement	606 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	156700
Street Address	259 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	78
Legal Lot Number	98
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2003
Census Tract	476300

Owner

Source: Windsor Locks Town records, as of October 9, 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	259 ELM ST, WINDSOR LOCKS, CT 06096-2234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE
Dec 11, 2020	Deed of Trust, Mortgage · Balloon Mortgage GATEWAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2004 · Amount on Record
Deed Sale	Mar 29, 2004 · Amount on Record
Prior Sale	Jul 29, 1999 · Amount on Record
Deed Book / Page	318 / 633
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	259 ELM ST, WINDSOR LOCKS, CT 06096-2234
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000508-619
Date	Jul 1, 2021
Book Page	508/619
Instrument	1232210010

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	259 ELM ST, WINDSOR LOCKS, CT 06096-2234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	500-353
Date	Dec 11, 2020
Book Page	500/353
Instrument	887550016

Lender

Name	GATEWAY MORTGAGE GROUP

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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		$164,430 (+68.75%) Land $53,550 Building $110,880	$115,101 Land $37,485 Building $77,616
2024	$3,945.00 (+43.87%)	$97,440 (-) Land $41,720 Building $55,720
2023	$2,742.00 (+8.94%)	$97,440 (-) Land $41,720 Building $55,720
2022	$2,517.00	$97,440 Land $41,720 Building $55,720

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	Low lower than 96% of the US · lower than 94% 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.

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.

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