42 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 42 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,147 sqft · built 1844
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (May 2023)
Tax Bill	$6,175 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`WINL M:36 B:82 L:35`

Property Details

APN / Parcel Number

Primary APN	`WINL M:36 B:82 L:35`
Alternative APNs	`00152600` `152600`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,147 sqft Living Area
1st Floor Area	1,797 sqft
Basement Area	1,728 sqft
Unfinished Basement	1,728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1844
Effective Year Built	Effective 1844
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	152600
Street Address	42 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-2341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	82
Legal Lot Number	35
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

42 Elm St is owned and occupied by two individuals who bought it in May 2023.

Source: Windsor Locks Town records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	42 ELM ST, WINDSOR LOCKS, CT 06096-2341
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
May 3, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 16, 2020	Quit Claim Deed, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Deed Book / Page	526 / 1096
Prior Transfer Date	Apr 8, 2020
Prior Transfer Doc	493-271
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	May 3, 2023
Property Address	42 ELM ST, WINDSOR LOCKS, CT 06096-2341
Document Number	00526-1096
Book / Page	526 / 1096
Instrument Date	May 1, 2023
Transaction Type	Transfer
Record Updated	Nov 20, 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
Relationship	Joint Tenants
Address	42 ELM ST, WINDSOR LOCKS, CT 06096-2341

Mortgage

Document Number	1320950012
Date	May 3, 2023
Instrument	1320950012

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Apr 16, 2020
Property Address	42 ELM ST, WINDSOR LOCKS, CT 06096-2341
Document Number	493-271
Book / Page	000493 / 000271
Instrument Date	Apr 8, 2020
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 ELM ST WINDSOR LOCKS CT 060962341, WINDSOR LOCKS, CT 06096-2341

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		$257,390 (+38.86%) Land $54,950 Building $202,440	$180,173 Land $38,465 Building $141,708
2024	$6,175.00 (+18.39%)	$185,360 (-) Land $47,670 Building $137,690
2023	$5,216.00 (+8.94%)	$185,360 (-) Land $47,670 Building $137,690
2022	$4,788.00	$185,360 Land $47,670 Building $137,690

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 42 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 42 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 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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