34 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 34 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,478 sqft · built 1848
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Jan 2025)
Tax Bill	$4,465 (2024)
Deeds & Mortgages	Jan 2025 Sale & Mortgage Nov 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`WINL M:36 B:82 L:33`

Property Details

APN / Parcel Number

Primary APN	`WINL M:36 B:82 L:33`
Alternative APNs	`00152500` `152500`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,478 sqft Living Area
1st Floor Area	1,239 sqft
Attic	Attic
Attic Area	759 sqft
Basement Area	759 sqft
Unfinished Basement	759 sqft

Exterior

Year Built	Built 1848
Effective Year Built	Effective 1848
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	152500
Street Address	34 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2304
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESA
Legal Block	82
Legal Lot Number	33
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	1
Census Block	1018
Census Tract	476100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Enfield Canal listed 1976 · 2 contributing resources · NRIS 76001998

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	34 ELM ST, WINDSOR LOCKS, CT 06096-2304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage WESTFIELD BANK FSB
Nov 12, 2024	Warranty Deed, Construction Loan · Construction Mortgage PINNACLE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2025 · Amount on Record
Deed Sale	Jan 15, 2025 · Amount on Record
Prior Sale	Nov 12, 2024 · Amount on Record
Deed Book / Page	542 / 760
Transfer Doc	424-63
Record Updated	Oct 29, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jan 15, 2025
Property Address	34 ELM ST, WINDSOR LOCKS, CT 06096-2304
Document Number	000542-760
Book / Page	542 / 760
Instrument Date	Jan 14, 2025
Transaction Type	Transfer
Record Updated	Jan 30, 2025

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

Mortgage

Document Number	2063620016
Date	Jan 15, 2025
Instrument	2063620016

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Nov 12, 2024
Property Address	34 ELM ST, WINDSOR LOCKS, CT 06096-2304
Document Number	00540-1096
Book / Page	540 / 1096
Instrument Date	Nov 8, 2024
Transaction Type	Construction Loan
Record Updated	Nov 27, 2024

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	95 COLTON RD, SOMERS, CT 06071-1533

Mortgage

Document Number	1973400028
Date	Nov 12, 2024
Instrument	1973400028

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$186,130 (+73.9%) Land $45,150 Building $140,980	$130,291 Land $31,605 Building $98,686
2024	$4,465.00 (+48.24%)	$107,030 (-) Land $32,270 Building $74,760
2023	$3,012.00 (+8.93%)	$107,030 (-) Land $32,270 Building $74,760
2022	$2,765.00	$107,030 Land $32,270 Building $74,760

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 29, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 90% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 274 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 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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