Windsor Locks Town property record for 395 S Elm St, Windsor Locks, CT 06096
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 960 sqft · built 1960 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,000 (Mar 2025) |
| Tax Bill | $4,346 (2024) |
| Deeds & Mortgages | Mar 2025 Sale & Mortgage Nov 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 396400 |
| Primary APN | 396400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 396400 |
|---|---|
| Street Address | 395 S ELM ST |
| City | WINDSOR LOCKS |
| State | CT |
| Zip | 06096-2621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESA |
| Legal Block | 127 |
| Legal Lot Number | 71 |
| Jurisdiction | WINDSOR LOCKS CT |
| Township / Civil Division | WINDSOR LOCKS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 476300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 395 S ELM ST, WINDSOR LOCKS, CT 06096-2621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Mar 12, 2025 | Warranty Deed, Transfer · Stand-Alone First Mortgage LIBERTY BANK |
| Nov 5, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2025 · Amount on Record |
| Deed Sale | Mar 12, 2025 · Amount on Record |
| Prior Sale | Aug 3, 1988 · Amount on Record |
| Deed Book / Page | 543 / 903 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Recording Date | Mar 12, 2025 |
| Property Address | 395 S ELM ST, WINDSOR LOCKS, CT 06096-2621 |
| Document Number | 000543-903 |
| Book / Page | 543 / 903 |
| Instrument Date | Mar 10, 2025 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2025 |
| 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 | 395 S ELM ST, WINDSOR LOCKS, CT 06096-2621 |
| Document Number | 2387430020 |
|---|---|
| Date | Mar 12, 2025 |
| Instrument | 2387430020 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Property Address | 395 S ELM ST, WINDSOR LOCKS, CT 06096-2621 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000540-967 |
|---|---|
| Date | Nov 5, 2024 |
| Book Page | 540/967 |
| Instrument | 1973120019 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Property Address | 395 S ELM ST, WINDSOR LOCKS, CT 06096-2621 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000532-800 |
|---|---|
| Date | Jan 9, 2024 |
| Book Page | 532/800 |
| Instrument | 1695040015 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
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 | $181,160 (+72.42%) Land $57,470 Building $123,690 | $126,812 Land $40,229 Building $86,583 | |
| 2024 | $4,346.00 (+46.97%) | $105,070 (-) Land $44,800 Building $60,270 | |
| 2023 | $2,957.00 (+8.95%) | $105,070 (-) Land $44,800 Building $60,270 | |
| 2022 | $2,714.00 | $105,070 Land $44,800 Building $60,270 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures