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

Windsor Locks Town property record for 309 S Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,428 sqft · built 1962
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$267,500 (Nov 2021)
Tax Bill	$5,782 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`16300`

Property Details

APN / Parcel Number

Primary APN	`16300`
Alternative APNs	`WINL M:52 B:129 L:24` `00016300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	16300
Street Address	309 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	24
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	Individual Name on Record
Mailing Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage CONNECTICUT HOUSING FINANCE AUTHORITY
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Sep 24, 2025	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 18, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 8, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 23, 2021	Warranty Deed, Transfer · FHA Mortgage NORTHERN MORTGAGE CO
Jan 10, 2018	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2021 · Amount on Record
Deed Sale	Nov 23, 2021 · Amount on Record
Prior Sale	Jan 10, 2018 · Amount on Record
Deed Document Number	20211244730003
Deed Book / Page	513 / 151
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jul 10, 2026
Property Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Document Number	0027630003
Book / Page	557 / 654
Instrument Date	Jul 8, 2026
Instrument	202627630003
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Investor	Possibly a Property Investor

Mortgage

Document Number	0027630003,
Date	Jul 10, 2026
Book Page	557/654
Instrument	202627630003

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.52%
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jul 10, 2026
Property Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Document Number	0557000626
Book / Page	557 / 626
Instrument Date	Jun 29, 2026
Transaction Type	Transfer
Record Updated	Jul 29, 2026

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
Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Investor	Possibly a Property Investor

Mortgage

Date	Jul 10, 2026

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Transaction Type	Mortgage
Record Updated	Nov 25, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000549-911
Date	Sep 24, 2025
Book Page	549/911
Instrument	2412740006

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	313 Months
Due	Oct 1, 2051

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Transaction Type	Mortgage
Record Updated	Mar 6, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000543-209
Date	Feb 18, 2025
Book Page	543/209
Instrument	2385810005

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Mar 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Transaction Type	Mortgage
Record Updated	Jun 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000527-863
Date	Jun 8, 2023
Book Page	527/863
Instrument	1560890005

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jul 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Nov 23, 2021
Property Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Document Number	513-151
Book / Page	513 / 151
Instrument Date	Nov 22, 2021
Instrument	1244730003
Transaction Type	Transfer
Record Updated	Dec 10, 2021

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
Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619

Mortgage

Document Number	1244740010
Date	Nov 23, 2021
Instrument	1244740010

Lender

Name	NORTHERN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jan 10, 2018
Property Address	309 S ELM ST, WINDSOR LOCKS, CT 06096-2619
Document Number	473-276
Book / Page	473 / 276
Instrument	719530003
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.84
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	4730279
Date	Jan 10, 2018
Instrument	00473/0279

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2048

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		$241,010 (+75.31%) Land $57,470 Building $183,540	$168,707 Land $40,229 Building $128,478
2024	$5,782.00 (+49.44%)	$137,480 (-) Land $44,800 Building $92,680
2023	$3,869.00 (+8.96%)	$137,480 (-) Land $44,800 Building $92,680
2022	$3,551.00	$137,480 Land $44,800 Building $92,680

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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