Windsor Locks Town property record for 374 S Elm St, Windsor Locks, CT 06096
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,140 sqft · built 1960 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $265,000 (Dec 2021) |
| Tax Bill | $4,885 (2024) |
| Deeds & Mortgages | Sep 2026 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WINL M:48 B:97 L:2 |
| Primary APN | WINL M:48 B:97 L:2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Detached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 396000 |
|---|---|
| Street Address | 374 S ELM ST |
| City | WINDSOR LOCKS |
| State | CT |
| Zip | 06096-2622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESA |
| Legal Block | 97 |
| Legal Lot Number | 2 |
| Jurisdiction | WINDSOR LOCKS CT |
| Township / Civil Division | WINDSOR LOCKS |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 476300 |
Source: Windsor Locks Town records, as of October 14, 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 | 374 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2026 | Deed of Trust, Mortgage TOBACCO VALLEY TEACHERS FEDERAL CREDIT UNION |
| Feb 18, 2021 | Deed of Trust, Mortgage · Balloon Mortgage GUARANTEED RATE INC |
| Dec 7, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK |
| Nov 25, 2019 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 7, 2021 · Amount on Record |
| Deed Sale | Dec 7, 2021 · Amount on Record |
| Prior Sale | Nov 25, 2019 · Amount on Record |
| Deed Book / Page | 513 / 724 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Recording Date | Sep 21, 2026 |
| Property Address | 374 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Document Number | 0094420006 |
| Book / Page | 559 / 689 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 202694420006 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 374 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Document Number | 0094420006, |
|---|---|
| Date | Sep 21, 2026 |
| Book Page | 559/689 |
| Instrument | 202694420006 |
| Name | TOBACCO VALLEY TEACHERS FEDERAL CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Property Address | 374 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00502-1006 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 502/1006 |
| Instrument | 902570017 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Recording Date | Dec 7, 2021 |
| Property Address | 374 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Document Number | 000513-724 |
| Book / Page | 513 / 724 |
| Instrument Date | Nov 22, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 LOCKHOUSE RD APT 17-4, 17-4, WESTFIELD, MA 01085-8903 |
| Document Number | 0000513727 |
|---|---|
| Date | Dec 7, 2021 |
| Instrument | 513/727 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Recording Date | Nov 25, 2019 |
| Property Address | 374 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Document Number | 490-302 |
| Book / Page | 490 / 302 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 844930003 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 844940017 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 844940017 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Windsor Locks Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Windsor Locks Town |
| Unified School District | Windsor Locks School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $203,630 (+83.77%) Land $58,590 Building $145,040 | $142,541 Land $41,013 Building $101,528 | |
| 2024 | $4,885.00 (+56.67%) | $110,810 (-) Land $45,780 Building $65,030 | |
| 2023 | $3,118.00 (+8.94%) | $110,810 (-) Land $45,780 Building $65,030 | |
| 2022 | $2,862.00 | $110,810 Land $45,780 Building $65,030 |
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.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 345 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 |
| Verizon Fixed Wireless | 300 / 20 |
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