Worcester County and Oxford Town property record for 10 Cypress St, Oxford, MA 01540
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,630 sqft · built 1986 |
| Lot Size | 0.589 acres (25,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $349,900 (Sep 2021) |
| Tax Bill | $6,943 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OXFO M:33E B:K04 |
| Primary APN | OXFO M:33E B:K04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 2,630 sqft Living Area |
| Gross Area | 4,090 sqft |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,663 sqft (0.589 acres) |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 33EK04 |
|---|---|
| Street Address | 10 CYPRESS ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-2418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | K04 |
| Jurisdiction | OXFORD MA |
| Township / Civil Division | OXFORD |
| Census Block Group | 4 |
| Census Block | 4037 |
| Census Tract | 753200 |
10 Cypress St is owned and occupied by an individual who bought it in September 2021.
Source: Worcester County and Oxford Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 CYPRESS ST, OXFORD, MA 01540-2418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION |
| Sep 9, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PRIMARY RESIDENTIAL MORTGAGE |
| Jul 16, 2018 | Deed of Trust, Mortgage WEBSTER FIVECENT SVGS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2021 · Amount on File |
| Deed Sale | Sep 9, 2021 · Amount on File |
| Prior Sale | Dec 12, 1997 · Amount on File |
| Deed Document Number | 2021126779 |
| Deed Book / Page | 66024 / 303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Aug 18, 2026 |
| Property Address | 10 CYPRESS ST, OXFORD, MA 01540-2418 |
| Document Number | 0000071209 |
| Book / Page | 74041 / 224 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 202671209 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10 CYPRESS ST, OXFORD, MA 01540-2418 |
| Document Number | 0000071209, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 74041/224 |
| Instrument | 202671209 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Sep 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Sep 9, 2021 |
| Property Address | 10 CYPRESS ST, OXFORD, MA 01540-2418 |
| Document Number | 66024-303 |
| Book / Page | 66024 / 303 |
| Instrument Date | Sep 9, 2021 |
| Instrument | 126779 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10 CYPRESS ST, OXFORD, MA 01540-2418 |
| Document Number | 126780 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 126780 |
| Name | PRIMARY RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 10 CYPRESS ST, OXFORD, MA 01540-2418 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59105-367 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 59105/367 |
| Instrument | 72078 |
| Name | WEBSTER FIVECENT SVGS |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 10 Cypress St was $6,943, up 10,262.7% from the year before.
Source: Worcester County and Oxford Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Oxford Town |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,943.00 (+10,262.69%) | $567,700 (+6.03%) Land $99,700 Building $468,000 | $579,501 (+23.28%) |
| 2025 | $67.00 (-98.89%) | $535,400 (+19.48%) Land $95,600 Building $439,800 | $470,060 |
| 2024 | $6,040.00 (+37.99%) | $448,100 (+39.64%) Land $91,300 Building $356,800 | |
| 2023 | $4,377.00 | $320,900 Land $87,400 Building $233,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Cypress St in Zone X, an area of minimal flood risk.
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 Policies | 2 in force |
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 risk around 10 Cypress St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 347 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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