Windsor Locks Town property record for 406 S Elm St, Windsor Locks, CT 06096
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 960 sqft · built 1960 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $156,250 (Oct 2003) |
| Tax Bill | $5,031 (2024) |
| Deeds & Mortgages | Aug 2023 Refinance Jan 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WINL M:48 B:97 L:8 |
| Primary APN | WINL M:48 B:97 L:8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 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 | 586 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 | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 16600 |
|---|---|
| Street Address | 406 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 | 8 |
| Jurisdiction | WINDSOR LOCKS CT |
| Township / Civil Division | WINDSOR LOCKS |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 476300 |
406 S Elm St is owned and occupied by two individuals who bought it in October 2003.
Source: Windsor Locks Town records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Jan 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2003 · Amount on File |
| Deed Sale | Oct 17, 2003 · Amount on File |
| Deed Book / Page | 312 / 194 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Property Address | 406 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 000529-358 |
|---|---|
| Date | Aug 9, 2023 |
| Book Page | 529/358 |
| Instrument | 1582010014 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Property Address | 406 S ELM ST, WINDSOR LOCKS, CT 06096-2622 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000514-709 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 514/709 |
| Instrument | 1248560015 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Feb 1, 2047 |
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 | $209,720 (+80.05%) Land $58,590 Building $151,130 | $146,804 Land $41,013 Building $105,791 | |
| 2024 | $5,031.00 (+53.48%) | $116,480 (-) Land $45,780 Building $70,700 | |
| 2023 | $3,278.00 (+8.94%) | $116,480 (-) Land $45,780 Building $70,700 | |
| 2022 | $3,009.00 | $116,480 Land $45,780 Building $70,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 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 risk around 406 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.
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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