523 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 523 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,220 sqft · built 1954
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jul 2020)
Tax Bill	$4,358 (2024)
Deeds & Mortgages	Jul 2026 Second Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`WINL M:33 B:65 L:12`

Property Details

APN / Parcel Number

Primary APN	`WINL M:33 B:65 L:12`
Alternative APNs	`00163200` `163200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	163200
Street Address	523 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	12
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	3
Census Block	3003
Census Tract	476300

Owner

523 Elm St is owned and occupied by two individuals who bought it in July 2020.

Source: Windsor Locks Town records, as of August 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	523 ELM ST, WINDSOR LOCKS, CT 06096-1648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 6, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on File
Deed Sale	Jul 6, 2020 · Amount on File
Prior Sale	Jun 13, 2016 · Amount on File
Deed Document Number	2020868200003
Deed Book / Page	495 / 603
Transfer Doc	345-151
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jul 22, 2026
Property Address	523 ELM ST, WINDSOR LOCKS, CT 06096-1648
Document Number	0034200009
Book / Page	558 / 471
Instrument Date	Jul 2, 2026
Instrument	202634200009
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 ELM ST, WINDSOR LOCKS, CT 06096-1648

Mortgage

Document Number	0034200009,
Date	Jul 22, 2026
Book Page	558/471
Instrument	202634200009

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.48%
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jul 6, 2020
Property Address	523 ELM ST, WINDSOR LOCKS, CT 06096-1648
Document Number	495-603
Book / Page	495 / 603
Instrument Date	Jun 24, 2020
Instrument	868200003
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	523 ELM ST, WINDSOR LOCKS, CT 06096-1648

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		$181,650 (+64.87%) Land $57,470 Building $124,180	$127,155 Land $40,229 Building $86,926
2024	$4,358.00 (+40.58%)	$110,180 (-) Land $48,580 Building $61,600
2023	$3,100.00 (+8.92%)	$110,180 (-) Land $48,580 Building $61,600
2022	$2,846.00	$110,180 Land $48,580 Building $61,600

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

Flood

FEMA maps place 523 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 523 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

Nearby Properties on Elm St

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