504 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 504 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,195 sqft · built 1965
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,694 (2024)
Deeds & Mortgages	Dec 2020 Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WINL M:33 B:64 L:45`

Property Details

APN / Parcel Number

Primary APN	`WINL M:33 B:64 L:45`
Alternative APNs	`00162800` `162800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,195 sqft Living Area
Gross Area	2,727 sqft
1st Floor Area	864 sqft
Attic	Attic
Attic Area	864 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	162800
Street Address	504 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	64
Legal Lot Number	45
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	1
Census Block	1009
Census Tract	476200

Owner

504 Elm St is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	504 ELM ST, WINDSOR LOCKS, CT 06096-1609
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 23, 2020	Quit Claim Deed, Transfer · Balloon Mortgage PRIMARY RESIDENTIAL MORTGAGE
May 29, 2018	Deed of Trust, Mortgage · Line of Credit NUTMEG ST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 11, 2020
Transfer Doc	500-835
Record Updated	Sep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Dec 23, 2020
Property Address	504 ELM ST, WINDSOR LOCKS, CT 06096-1609
Document Number	500-835
Book / Page	500 / 835
Instrument Date	Dec 11, 2020
Instrument	888610002
Transaction Type	Transfer
Record Updated	May 21, 2021

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	504 ELM ST, WINDSOR LOCKS, CT 06096-1609

Mortgage

Document Number	500-837
Date	Dec 23, 2020
Book Page	500/837
Instrument	888620010

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	504 ELM ST, WINDSOR LOCKS, CT 06096-1609
Document Number	476-505
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 ELM ST WINDSOR LOCKS CT 060961609, WINDSOR LOCKS, CT 06096-1609

Mortgage

Document Number	476-505
Date	Jun 20, 2018
Book Page	000476/000505
Instrument	792580010

Lender

Name	NUTMEG ST CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 19, 2038

Interest

Rate Type	Adjustable Rate

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		$362,390 (+102.07%) Land $63,770 Building $298,620	$253,673 Land $44,639 Building $209,034
2024	$8,694.00 (+72.26%)	$179,340 (-) Land $51,870 Building $127,470
2023	$5,047.00 (+8.96%)	$179,340 (-) Land $51,870 Building $127,470
2022	$4,632.00	$179,340 Land $51,870 Building $127,470

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

Flood

FEMA maps place 504 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

Wildfire risk around 504 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 98% of the US · lower than 97.2% 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 199 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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