46 Oak St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 46 Oak St, Windsor Locks, CT 06096

Property Summary

Property Type	Duplex
Details	2 bd · 3 ba · 1,584 sqft · built 1884
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Dec 2021)
Tax Bill	$4,541 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINL M:29 B:55 L:8`

Property Details

APN / Parcel Number

Primary APN	`WINL M:29 B:55 L:8`
Alternative APNs	`00010000` `10000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	10000
Street Address	46 OAK ST
City	WINDSOR LOCKS
State	CT
Zip	06096-1823
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RDRD
Legal Block	55
Legal Lot Number	8
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2006
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

Source: Windsor Locks Town records, as of June 25, 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	46-A & B OAK ST, WINDSOR LOCKS, CT 06096
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Deed Book / Page	513 / 880
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Dec 14, 2021
Property Address	46 OAK ST, WINDSOR LOCKS, CT 06096-1823
Document Number	000513-880
Book / Page	513 / 880
Instrument Date	Dec 9, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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	46 OAK ST, WINDSOR LOCKS, CT 06096-1823

Mortgage

Document Number	0000513882
Date	Dec 14, 2021
Instrument	513/882

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

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		$189,280 (+80.63%) Land $35,910 Building $153,370	$132,496 Land $25,137 Building $107,359
2024	$4,541.00 (+53.98%)	$104,790 (-) Land $22,750 Building $82,040
2023	$2,949.00 (+8.94%)	$104,790 (-) Land $22,750 Building $82,040
2022	$2,707.00	$104,790 Land $22,750 Building $82,040

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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	Not rated no burnable land within 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 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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