40 Oak St, Winsted, CT 06098 Property Records

Winchester Town property record for 40 Oak St, Winsted, CT 06098

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,674 sqft · built 1870
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2023)
Tax Bill	$3,939 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Sale & Mortgage + 1 more
APN	`WINC M:111 B:009 L:006`

Property Details

APN / Parcel Number

Primary APN	`WINC M:111 B:009 L:006`
Alternative APNs	`WSTR M:111 B:009 L:006` `414`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,674 sqft Living Area
Gross Area	3,484 sqft
1st Floor Area	837 sqft
Attic	Attic
Attic Area	837 sqft
Basement Area	837 sqft
Unfinished Basement	837 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	414
Street Address	40 OAK ST
City	WINSTED
State	CT
Zip	06098-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	9
Legal Lot Number	6
Jurisdiction	WINCHESTER CT
Township / Civil Division	WINCHESTER
Census Block Group	5
Census Block	5010
Census Tract	320102

Owner

40 Oak St is owned and occupied by an individual who bought it in August 2023.

Source: Winchester Town records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	40 OAK ST, WINSTED, CT 06098-1718
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 29, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage CONNECTICUT HOUSING FINANCE AUTHORITY
Aug 29, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST WORLD MORTGAGE CORPORATION
Aug 17, 2017	Warranty Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Prior Sale	Aug 17, 2017 · Amount on File
Deed Document Number	202320230-00001951
Deed Book / Page	478 / 763
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER CT
Property Address	40 OAK ST, WINSTED, CT 06098-1718
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000478-783
Date	Aug 29, 2023
Book Page	478/783
Instrument	1368490003

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINCHESTER CT
Recording Date	Aug 29, 2023
Property Address	40 OAK ST, WINSTED, CT 06098-1718
Document Number	000478-763
Book / Page	478 / 763
Instrument Date	Aug 25, 2023
Instrument	20230-00001951
Transaction Type	Transfer
Record Updated	Apr 24, 2025

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

Mortgage

Document Number	1368470013
Date	Aug 29, 2023
Instrument	1368470013

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	000478-779
Date	Aug 29, 2023
Book Page	478/779
Instrument	1368480004

Lender

Name	CONNECTICUT HOUSING FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINCHESTER CT
Recording Date	Aug 17, 2017
Property Address	40 OAK ST, WINSTED, CT 06098-1718
Document Number	435-529
Book / Page	435 / 529
Instrument	709920003
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.17
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	4350532
Date	Aug 17, 2017
Instrument	00435/0532

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 40 Oak St was $3,939.

Source: Winchester Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,939.00	$135,030 Land $21,070 Building $113,960	$94,521 Land $14,749 Building $79,772
2024	$3,939.00 (+10.55%)
2023	$3,563.00 (+1.51%)	$135,030 (+29.03%) Land $21,070 Building $113,960
2022	$3,510.00	$104,650 Land $15,260 Building $89,390

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 has no flood map on file for 40 Oak St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 40 Oak St is low, with 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WINSTED WATER WORKS serves 7,784 people · EPA ID CT1620011
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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