515 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 515 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 2,628 sqft · built 1956
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Nov 2020)
Tax Bill	$8,005 (2024)
Deeds & Mortgages	Apr 2018 Line of Credit Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:33 B:65 L:10`

Property Details

APN / Parcel Number

Primary APN	`WINL M:33 B:65 L:10`
Alternative APNs	`00282700` `282700`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,628 sqft Living Area
1st Floor Area	2,063 sqft
Basement Area	1,566 sqft
Unfinished Basement	1,146 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	16,553 sqft (0.38 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	282700
Street Address	515 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	65
Legal Lot Number	10
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	3
Census Block	3003
Census Tract	476300

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	2 Individual Names on Record
Mailing Address	515 ELM ST, WINDSOR LOCKS, CT 06096-1648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit UNITED BANK
Feb 16, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 23, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Deed Document Number	2020883900002
Deed Book / Page	499 / 800
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	515 ELM ST, WINDSOR LOCKS, CT 06096-1648
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00474-1049
Date	Apr 2, 2018
Book Page	474/1049
Instrument	761390010

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2033

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Feb 16, 2021
Property Address	515 ELM ST, WINDSOR LOCKS, CT 06096-1648
Document Number	000502-815
Book / Page	502 / 815
Instrument Date	Dec 11, 2020
Instrument	900690002
Transaction Type	Transfer
Record Updated	Feb 11, 2022

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	510 MULBERRY ST, WINDSOR, CT

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Nov 23, 2020
Property Address	515 ELM ST, WINDSOR LOCKS, CT 06096-1648
Document Number	000499-800
Book / Page	499 / 800
Instrument Date	Nov 13, 2020
Instrument	883900002
Transaction Type	Transfer
Record Updated	Feb 11, 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	MULBERRY ST, NEW CANAAN, CT

Mortgage

Document Number	0883910010
Date	Nov 23, 2020
Instrument	883910010

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$333,690 (+65.41%) Land $58,030 Building $275,660	$233,583 Land $40,621 Building $192,962
2024	$8,005.00 (+41.01%)	$201,740 (-) Land $45,430 Building $156,310
2023	$5,677.00 (+8.94%)	$201,740 (-) Land $45,430 Building $156,310
2022	$5,211.00	$201,740 Land $45,430 Building $156,310

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

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 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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