45 N Main St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 45 N Main St, Windsor Locks, CT 06096

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,118 sqft · built 1850
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Sep 2024)
Tax Bill	$4,996 (2024)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:21 B:17 L:64`

Property Details

APN / Parcel Number

Primary APN	`WINL M:21 B:17 L:64`
Alternative APNs	`00288300` `288300`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,118 sqft Living Area
1st Floor Area	1,155 sqft
Attic	Attic
Attic Area	963 sqft
Basement Area	963 sqft
Unfinished Basement	963 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	288300
Street Address	45 N MAIN ST
City	WINDSOR LOCKS
State	CT
Zip	06096-1418
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Block	17
Legal Lot Number	64
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2004
Census Tract	476100

Owner

Source: Windsor Locks Town records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	45 N MAIN ST, WINDSOR LOCKS, CT 06096-1418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Jun 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHPOINT MORTGAGE INC
Jun 28, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2024 · Amount on Record
Deed Sale	Sep 17, 2024 · Amount on Record
Prior Sale	Jun 15, 2021 · Amount on Record
Deed Book / Page	539 / 638
Transfer Doc	476-882
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Sep 17, 2024
Property Address	45 N MAIN ST, WINDSOR LOCKS, CT 06096-1418
Document Number	000539-638
Book / Page	539 / 638
Instrument Date	Sep 13, 2024
Transaction Type	Transfer
Record Updated	Oct 3, 2024

Transaction

Amount	Amount Recorded
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
Address	45 N MAIN ST, WINDSOR LOCKS, CT 06096-1418

Mortgage

Document Number	1968270023
Date	Sep 17, 2024
Instrument	1968270023

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jun 15, 2021
Property Address	45 N MAIN ST, WINDSOR LOCKS, CT 06096-1418
Document Number	000507-955
Book / Page	507 / 955
Instrument Date	Jun 14, 2021
Instrument	941630002
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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
Address	45 N MAIN ST, WINDSOR LOCKS, CT 06096-1418

Mortgage

Document Number	0941640013
Date	Jun 15, 2021
Instrument	941640013

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jun 28, 2018
Property Address	45 N MAIN ST, WINDSOR LOCKS, CT 06096-1418
Document Number	476-882
Book / Page	000476 / 000882
Instrument Date	Jun 28, 2018
Instrument	793990001
Transaction Type	Transfer
Record Updated	Jul 17, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$208,250 (+57.99%) Land $51,100 Building $157,150	$145,775 Land $35,770 Building $110,005
2024	$4,996.00 (+34.7%)	$131,810 (-) Land $39,760 Building $92,050
2023	$3,709.00 (+8.93%)	$131,810 (-) Land $39,760 Building $92,050
2022	$3,405.00	$131,810 Land $39,760 Building $92,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

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 205 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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