576 Elm St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 576 Elm St, Windsor Locks, CT 06096

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 bd · 1 ba · 1,613 sqft · built 1943
Lot Size	0.6 acres (26,136 sqft)
Owner	Company Name on Record
Last Sale	$275,000 (Feb 2021)
Tax Bill	$5,283 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINL M:25 B:39 L:5`

Property Details

APN / Parcel Number

Primary APN	`WINL M:25 B:39 L:5`
Alternative APNs	`00163800` `163800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Units	3 Units
Stories	2 Stories
Building Area	1,613 sqft Total Area
Gross Area	2,434 sqft
1st Floor Area	900 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	163800
Street Address	576 ELM ST
City	WINDSOR LOCKS
State	CT
Zip	06096-1603
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	BUS1
Legal Block	39
Legal Lot Number	5
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	1
Census Block	1008
Census Tract	476200

Owner

Source: Windsor Locks Town records, as of June 25, 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	Company Name on Record
Mailing Address	576 ELM ST, WINDSOR LOCKS, CT 06096-1603
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Balloon Mortgage BAY COLONY DEVELOPMENT CORP
Feb 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2021 · Amount on Record
Deed Sale	Feb 16, 2021 · Amount on Record
Prior Sale	Feb 26, 2004 · Amount on Record
Deed Document Number	2021900870004
Deed Book / Page	502 / 822
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	576 ELM ST, WINDSOR LOCKS, CT 06096-1603
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000502-862
Date	Feb 16, 2021
Book Page	502/862
Instrument	900910019

Lender

Name	BAY COLONY DEVELOPMENT CORP

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Feb 16, 2021
Property Address	576 ELM ST, WINDSOR LOCKS, CT 06096-1603
Document Number	000502-822
Book / Page	502 / 822
Instrument Date	Feb 10, 2021
Instrument	900870004
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	576 ELM ST, WINDSOR LOCKS, CT 06096-1603
Investor	Possibly a Property Investor

Mortgage

Document Number	0900880013
Date	Feb 16, 2021
Instrument	900880013

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	000502-849
Date	Feb 16, 2021
Book Page	502/849
Instrument	900900013

Lender

Name	BERKSHIRE BANK
Type	Bank

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		$220,220 (+2.68%) Land $137,620 Building $82,600	$154,154 Land $96,334 Building $57,820
2024	$5,283.00 (-12.46%)	$214,480 (-) Land $115,010 Building $99,470
2023	$6,035.00 (+8.94%)	$214,480 (-) Land $115,010 Building $99,470
2022	$5,540.00	$214,480 Land $115,010 Building $99,470

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 99.1% of the US · lower than 99% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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