432 Reed Ave, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 432 Reed Ave, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 992 sqft · built 1963
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$214,900 (Apr 2005)
Tax Bill	$5,155 (2024)
Deeds & Mortgages	Dec 2023 Transfer Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:18 B:31 L:6`

Property Details

APN / Parcel Number

Primary APN	`WINL M:18 B:31 L:6`
Alternative APNs	`00360600` `360600`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Basement Area	992 sqft
Unfinished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	360600
Street Address	432 REED AVE
City	WINDSOR LOCKS
State	CT
Zip	06096-1246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESB
Legal Block	31
Legal Lot Number	6
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2004
Census Tract	476200

Owner

432 Reed Ave is owned and occupied by two individuals who acquired it in December 2023.

Source: Windsor Locks Town records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	432 REED AVE, WINDSOR LOCKS, CT 06096-1246
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
Dec 15, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WEBSTER BANK
May 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Apr 3, 2017	Deed of Trust, Mortgage WEBSTER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2005 · Amount on File
Deed Sale	Apr 4, 2005 · Amount on File
Prior Sale	Aug 17, 2004 · Amount on File
Deed Book / Page	336 / 383
Last Transfer Date	Dec 14, 2023
Transfer Doc	000532-211
Record Updated	Oct 29, 2026

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Dec 15, 2023
Property Address	432 REED AVE, WINDSOR LOCKS, CT 06096-1246
Document Number	000532-211
Book / Page	532 / 211
Instrument Date	Dec 14, 2023
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	432 REED AVE, WINDSOR LOCKS, CT 06096-1246

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	432 REED AVE, WINDSOR LOCKS, CT 06096-1246
Transaction Type	Mortgage
Record Updated	Mar 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00524-1076
Date	Mar 7, 2023
Book Page	524/1076
Instrument	1309150005

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	432 REED AVE, WINDSOR LOCKS, CT 06096-1246
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000506-426
Date	May 17, 2021
Book Page	506/426
Instrument	932260015

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	432 REED AVE, WINDSOR LOCKS, CT 06096-1246
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	464-1074
Date	Apr 3, 2017
Book Page	464/1074
Instrument	608500015

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

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		$214,900 (+83.94%) Land $57,470 Building $157,430	$150,430 Land $40,229 Building $110,201
2024	$5,155.00 (+56.78%)	$116,830 (-) Land $44,800 Building $72,030
2023	$3,288.00 (+8.95%)	$116,830 (-) Land $44,800 Building $72,030
2022	$3,018.00	$116,830 Land $44,800 Building $72,030

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

Flood

FEMA maps place 432 Reed Ave 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

Wildfire risk around 432 Reed Ave 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 99.1% of the US · lower than 99% 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.

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 232 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	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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