81 Oak St, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 81 Oak St, Windsor Locks, CT 06096

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,478 sqft · built 1878
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Dec 2009)
Tax Bill	$3,805 (2024)
Deeds & Mortgages	Oct 2022 Refinance Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WINL M:29 B:52 L:9`

Property Details

APN / Parcel Number

Primary APN	`WINL M:29 B:52 L:9`
Alternative APNs	`00322000` `322000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,478 sqft Living Area
Gross Area	1,468 sqft
1st Floor Area	812 sqft
Attic	Attic
Attic Area	791 sqft
Basement Area	604 sqft
Unfinished Basement	604 sqft

Exterior

Year Built	Built 1878
Effective Year Built	Effective 1878
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	322000
Street Address	81 OAK ST
City	WINDSOR LOCKS
State	CT
Zip	06096
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESA
Legal Block	52
Legal Lot Number	9
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2009
Census Tract	476100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Enfield Canal listed 1976 · 2 contributing resources · NRIS 76001998

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	81 OAK ST, WINDSOR LOCKS, CT 06096
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Feb 6, 2018	Deed of Trust, Mortgage · Line of Credit UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2009 · Amount on Record
Deed Sale	Dec 2, 2009 · Amount on Record
Prior Sale	Feb 14, 2008 · Amount on Record
Deed Book / Page	1783 / 659
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	81 OAK ST, WINDSOR LOCKS, CT 06096
Transaction Type	Mortgage
Record Updated	Jun 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000522-485
Date	Oct 26, 2022
Book Page	522/485
Instrument	1300740009

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDSOR LOCKS CT
Property Address	81 OAK ST, WINDSOR LOCKS, CT 06096
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	473-840
Date	Feb 6, 2018
Book Page	473/840
Instrument	732700012

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 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		$158,620 (+73.91%) Land $38,150 Building $120,470	$111,034 Land $26,705 Building $84,329
2024	$3,805.00 (+48.23%)	$91,210 (-) Land $24,080 Building $67,130
2023	$2,567.00 (+8.96%)	$91,210 (-) Land $24,080 Building $67,130
2022	$2,356.00	$91,210 Land $24,080 Building $67,130

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	Not rated no burnable land within 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 274 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 · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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