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

Windsor Locks Town property record for 314 S Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,104 sqft · built 1962
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jul 2026)
Tax Bill	$5,023 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14000`

Property Details

APN / Parcel Number

Primary APN	`14000`
Alternative APNs	`WINL M:47 B:103 L:10` `00014000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	960 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14000
Street Address	314 S ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	103
Legal Lot Number	10
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2017
Census Tract	476300

Owner

314 S Elm St is owned and occupied by an individual who bought it in July 2026.

Source: Windsor Locks Town records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jul 21, 2026	Deed of Trust, Mortgage CONNECTICUT HOUSING FINANCE AUTHORITY
Jul 21, 2026	Warranty Deed, Transfer · Line of Credit FIRST WORLD MORTGAGE CORPORATION
Nov 6, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 26, 2020	Executor's Deed, Transfer · FHA Mortgage FIRST WORLD MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Oct 26, 2020 · Amount on File
Deed Book / Page	558 / 383
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jul 21, 2026
Property Address	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612
Document Number	0032390003
Book / Page	558 / 402
Instrument Date	Jul 14, 2026
Instrument	202632390003
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612

Mortgage

Document Number	0032390003,
Date	Jul 21, 2026
Book Page	558/402
Instrument	202632390003

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY

Agreement

Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.47%
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jul 21, 2026
Property Address	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612
Document Number	0558000383
Book / Page	558 / 383
Instrument Date	Jun 29, 2026
Transaction Type	Transfer
Record Updated	Aug 12, 2026

Transaction

Amount	Amount on Record
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	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612

Mortgage

Date	Jul 21, 2026

Lender

Name	FIRST WORLD MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.48%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000531-517
Date	Nov 6, 2023
Book Page	531/517
Instrument	1657200006

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2050

October 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Oct 26, 2020
Property Address	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612
Document Number	498-837
Book / Page	498 / 837
Instrument Date	Oct 20, 2020
Instrument	876920002
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	$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	314 S ELM ST, WINDSOR LOCKS, CT 06096-2612

Mortgage

Document Number	876930013
Date	Oct 26, 2020
Instrument	876930013

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

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		$209,370 (+71.8%) Land $57,470 Building $151,900	$146,559 Land $40,229 Building $106,330
2024	$5,023.00 (+46.49%)	$121,870 (-) Land $44,800 Building $77,070
2023	$3,429.00 (+8.93%)	$121,870 (-) Land $44,800 Building $77,070
2022	$3,148.00	$121,870 Land $44,800 Building $77,070

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 314 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

Wildfire risk around 314 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.

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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