1 Elm St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 1 Elm St, Oxford, MA 01540

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,144 sqft · built 1950
Lot Size	0.155 acres (6,740 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Oct 2021)
Tax Bill	$3,641 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:34A B:B04`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:34A B:B04`
Alternative APN	`34AB04`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Building Area	1,144 sqft Living Area
Gross Area	2,320 sqft
1st Floor Area	572 sqft
Attic	Attic
Attic Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,740 sqft (0.155 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	34AB04
Street Address	1 ELM ST
City	OXFORD
State	MA
Zip	01540-1623
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Block	B04
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1016
Census Tract	753200

Historic Designation

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

Historic District	Within the Oxford Main Street Historic District listed 2011 · 223 contributing resources · NRIS 11000586

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

Owner

Source: Worcester County and Oxford Town records, as of October 20, 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	1 ELM ST, OXFORD, MA 01540-1623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Prior Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	2021150603
Deed Book / Page	66386 / 111
Prior Transfer Date	Oct 22, 2021
Prior Transfer Doc	66386-111
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Oct 27, 2021
Property Address	1 ELM ST, OXFORD, MA 01540-1623
Document Number	66386-111
Book / Page	66386 / 111
Instrument Date	Oct 22, 2021
Instrument	150603
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 ELM ST, OXFORD, MA 01540-1623

Mortgage

Document Number	150604
Date	Oct 27, 2021
Instrument	150604

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Oxford Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oxford Town
Unified School District	Oxford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,641.00 (+10,608.82%)	$297,700 (+9.21%) Land $71,200 Building $226,500	$335,808
2025	$34.00 (-98.92%)	$272,600 (+16.4%) Land $81,800 Building $190,800
2024	$3,157.00 (-6.38%)	$234,200 (-5.26%) Land $72,900 Building $161,300
2023	$3,372.00	$247,200 Land $65,100 Building $182,100

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 November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Most Recent Claim	Feb 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	AQUARION WATER COMPANY OXFORD private · serves 7,384 people · EPA ID MA2226000
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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