97 Oak St, #99, Windsor Locks, CT 06096 Property Records

Windsor Locks Town property record for 97 Oak St, #99, Windsor Locks, CT 06096

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,900 sqft · built 1880
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2024)
Tax Bill	$4,418 (2024)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINL M:28 B:52 L:3`

Property Details

APN / Parcel Number

Primary APN	`WINL M:28 B:52 L:3`
Alternative APNs	`00033900` `33900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,900 sqft Living Area
1st Floor Area	950 sqft
Attic	Attic
Attic Area	950 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	33900
Street Address	97 OAK ST, 99
City	WINDSOR LOCKS
State	CT
Zip	06096-1824
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESA
Legal Block	52
Legal Lot Number	3
Jurisdiction	WINDSOR LOCKS CT
Township / Civil Division	WINDSOR LOCKS
Census Block Group	2
Census Block	2009
Census Tract	476100

Owner

97 Oak St, #99 is owned by an individual who bought it in April 2024.

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	Individual Name on File
Mailing Address	52 E MAIN ST, STAFFORD, CT 06075
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage PROSPERITY HOME MORTGAGE LLC
Jan 23, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage PINNACLE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2024 · Amount on File
Deed Sale	Apr 29, 2024 · Amount on File
Prior Sale	Jan 23, 2024 · Amount on File
Deed Book / Page	536 / 614
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Apr 29, 2024
Property Address	97 OAK ST # 99, 99, WINDSOR LOCKS, CT 06096-1824
Document Number	000536-614
Book / Page	536 / 614
Instrument Date	Apr 26, 2024
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Amount	Amount on Record
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	52 E MAIN ST, STAFFORD, CT 06075

Mortgage

Document Number	1792220016
Date	Apr 29, 2024
Instrument	1792220016

Lender

Name	PROSPERITY HOME MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDSOR LOCKS CT
Recording Date	Jan 23, 2024
Property Address	97 OAK ST # 99, 99, WINDSOR LOCKS, CT 06096-1824
Document Number	00532-1007
Book / Page	532 / 1007
Instrument Date	Jan 19, 2024
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Amount	Amount on Record
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

Mortgage

Document Number	1699520028
Date	Jan 23, 2024
Instrument	1699520028

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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		$184,170 (+89.83%) Land $38,150 Building $146,020	$128,919 Land $26,705 Building $102,214
2024	$4,418.00 (+61.83%)	$97,020 (-) Land $24,080 Building $72,940
2023	$2,730.00 (+8.94%)	$97,020 (-) Land $24,080 Building $72,940
2022	$2,506.00	$97,020 Land $24,080 Building $72,940

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 97 Oak St, #99 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

The area around 97 Oak St, #99 has no burnable land within ember reach, so its wildfire risk is not rated.

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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