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

Windsor Locks Town property record for 287 S Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,368 sqft · built 1962
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,223 (2024)
Deeds & Mortgages	Sep 2024 Refinance Nov 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`394400`

Property Details

APN / Parcel Number

Primary APN	`394400`
Alternative APNs	`WINL M:52 B:129 L:28` `00394400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
Gross Area	1,656 sqft
1st Floor Area	1,368 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	394400
Street Address	287 S ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	129
Legal Lot Number	28
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	1
Census Block	1001
Census Tract	476300

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	287 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDRONE INC
Nov 20, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
Jan 16, 2019	Deed of Trust, Mortgage · VA Mortgage MERIDIAN HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	287 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Transaction Type	Mortgage
Record Updated	Oct 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000539-730
Date	Sep 23, 2024
Book Page	539/730
Instrument	1968630022

Lender

Name	LOANDRONE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	287 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Transaction Type	Mortgage
Record Updated	Dec 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000531-852
Date	Nov 20, 2023
Book Page	531/852
Instrument	1661890015

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	287 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RESEARCH TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	482-7
Date	Jan 16, 2019
Book Page	482/7
Instrument	814590012

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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		$259,420 (+70.63%) Land $58,590 Building $200,830	$181,594 Land $41,013 Building $140,581
2024	$6,223.00 (+45.47%)	$152,040 (-) Land $46,200 Building $105,840
2023	$4,278.00 (+8.94%)	$152,040 (-) Land $46,200 Building $105,840
2022	$3,927.00	$152,040 Land $46,200 Building $105,840

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 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.

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 46 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 Fiber · Cable in parts of the area	2,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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