538 Mulberry St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 538 Mulberry St, Windsor Locks, CT 06096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,190 sqft · built 1968
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$174,900 (Jul 2018)
Tax Bill	$5,244 (2024)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINL M:32 B:65 L:5`

Property Details

APN / Parcel Number

Primary APN	`WINL M:32 B:65 L:5`
Alternative APNs	`00283200` `283200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	1,410 sqft
1st Floor Area	1,190 sqft
Basement Area	1,164 sqft
Unfinished Basement	944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	283200
Street Address	538 MULBERRY ST
City	WINDSOR LOCKS
State	CT
Zip	06096-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	65
Legal Lot Number	5
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	Individual Name on Record
Mailing Address	538 MULBERRY ST, WINDSOR LOCKS, CT 06096-1649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit PENNYMAC LOAN SERVICES LLC
Aug 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Apr 7, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 24, 2018	Executor's Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Deed Document Number	2018799440003
Deed Book / Page	477 / 840
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Aug 19, 2026
Property Address	538 MULBERRY ST, WINDSOR LOCKS, CT 06096-1649
Document Number	0053820021
Book / Page	558 / 1037
Instrument Date	Aug 12, 2026
Instrument	202653820021
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 MULBERRY ST, WINDSOR LOCKS, CT 06096-1649

Mortgage

Document Number	0053820021,
Date	Aug 19, 2026
Book Page	558/1037
Instrument	202653820021

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	538 MULBERRY ST, WINDSOR LOCKS, CT 06096-1649
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000529-559
Date	Aug 17, 2023
Book Page	529/559
Instrument	1587250017

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	538 MULBERRY ST, WINDSOR LOCKS, CT 06096-1649
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	493-52
Date	Apr 7, 2020
Book Page	493/52
Instrument	853490010

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jul 24, 2018
Property Address	538 MULBERRY ST, WINDSOR LOCKS, CT 06096-1649
Document Number	477-840
Book / Page	477 / 840
Instrument	799440003
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.41
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	4770843
Date	Jul 24, 2018
Instrument	00477/0843

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

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		$218,610 (+76.64%) Land $62,860 Building $155,750	$153,027 Land $44,002 Building $109,025
2024	$5,244.00 (+50.56%)	$123,760 (-) Land $50,960 Building $72,800
2023	$3,483.00 (+8.95%)	$123,760 (-) Land $50,960 Building $72,800
2022	$3,197.00	$123,760 Land $50,960 Building $72,800

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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