Windsor Locks Town property record for 522 Elm St, Windsor Locks, CT 06096
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,174 sqft · built 1946 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Jun 2010) |
| Tax Bill | $4,658 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WINL M:33 B:64 L:42 |
| Primary APN | WINL M:33 B:64 L:42 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,174 sqft Living Area |
| Gross Area | 1,256 sqft |
| 1st Floor Area | 848 sqft |
| Attic | Attic |
| Attic Area | 816 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 34,848 sqft (0.8 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 163100 |
|---|---|
| Street Address | 522 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 | 42 |
| Jurisdiction | WINDSOR LOCKS CT |
| Township / Civil Division | WINDSOR LOCKS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 476200 |
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 | 522 ELM ST, WINDSOR LOCKS, CT 06096-1609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2010 · Amount on Record |
| Deed Sale | Jun 2, 2010 · Amount on Record |
| Prior Sale | May 1, 2009 · Amount on Record |
| Deed Book / Page | 399 / 302 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINDSOR LOCKS CT |
| Property Address | 522 ELM ST, WINDSOR LOCKS, CT 06096-1609 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000515-351 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 515/351 |
| Instrument | 1250570017 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Mar 1, 2051 |
Source: Windsor Locks Town assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Connecticut |
| County Subdivision | Windsor Locks Town |
| Unified School District | Windsor Locks School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $194,180 (+55.15%) Land $61,460 Building $132,720 | $135,926 Land $43,022 Building $92,904 | |
| 2024 | $4,658.00 (+32.25%) | $125,160 (-) Land $52,500 Building $72,660 | |
| 2023 | $3,522.00 (+8.94%) | $125,160 (-) Land $52,500 Building $72,660 | |
| 2022 | $3,233.00 | $125,160 Land $52,500 Building $72,660 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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