275 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 275 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,980 sqft · built 1910
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Sep 2023)
Tax Bill	$6,527 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2024 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`151300`

Property Details

APN / Parcel Number

Primary APN	`151300`
Alternative APNs	`WINL M:34 B:78 L:100` `00151300`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,980 sqft Living Area
1st Floor Area	1,081 sqft
Attic	Attic
Attic Area	548 sqft
Basement Area	899 sqft
Unfinished Basement	364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	151300
Street Address	275 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	100
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2003
Census Tract	476300

Owner

275 Elm St is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	275 ELM ST, WINDSOR LOCKS, CT 06096-2234
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit MORTGAGE RESEARCH CENTER LLC
Jul 8, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC
Sep 7, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 18, 2017	Warranty Deed, Transfer ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2023 · Amount on File
Deed Sale	Sep 7, 2023 · Amount on File
Prior Sale	Aug 18, 2017 · Amount on File
Deed Book / Page	530 / 90
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	275 ELM ST, WINDSOR LOCKS, CT 06096-2234
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000550-150
Date	Oct 3, 2025
Book Page	550/150
Instrument	2415470016

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	275 ELM ST, WINDSOR LOCKS, CT 06096-2234
Transaction Type	Mortgage
Record Updated	Jul 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000538-206
Date	Jul 8, 2024
Book Page	538/206
Instrument	1929300016

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Sep 7, 2023
Property Address	275 ELM ST, WINDSOR LOCKS, CT 06096-2234
Document Number	0000530-90
Book / Page	530 / 90
Instrument Date	Sep 5, 2023
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount 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
Address	275 ELM ST, WINDSOR LOCKS, CT 06096-2234
Investor	Possibly a Property Investor

Mortgage

Document Number	1597750012
Date	Sep 7, 2023
Instrument	1597750012

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Aug 18, 2017
Property Address	275 ELM ST, WINDSOR LOCKS, CT 06096-2234
Document Number	469-150
Book / Page	469 / 150
Instrument	666980004
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4690154
Date	Aug 18, 2017
Instrument	00469/0154

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2047

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		$272,090 (+99.44%) Land $52,710 Building $219,380	$190,463 Land $36,897 Building $153,566
2024	$6,527.00 (+70.02%)	$136,430 (-) Land $43,680 Building $92,750
2023	$3,839.00 (+8.94%)	$136,430 (-) Land $43,680 Building $92,750
2022	$3,524.00	$136,430 Land $43,680 Building $92,750

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.

Flood

FEMA maps place 275 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

Wildfire risk around 275 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 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.

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