10 Pine Ridge Dr, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 10 Pine Ridge Dr, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,215 sqft · built 1973
Lot Size	0.313 acres (13,650 sqft)
Owner	Individual Name on File
Last Sale	$218,500 (Aug 2011)
Tax Bill	$4,104 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:33A B:D03`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:33A B:D03`
Alternative APN	`33AD03`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,215 sqft Living Area
Gross Area	3,175 sqft
1st Floor Area	1,170 sqft
Basement Area	1,768 sqft
Unfinished Basement	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,650 sqft (0.313 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	33AD03
Street Address	10 PINE RIDGE DR
City	OXFORD
State	MA
Zip	01540-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	PINE RDG ESTATES
Legal Block	D03
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2018
Census Tract	753100

Owner

10 Pine Ridge Dr is owned and occupied by an individual who bought it in August 2011.

Source: Worcester County and Oxford Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10 PINE RIDGE DR, OXFORD, MA 01540-1908
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NAVY FCU
Jun 3, 2020	Deed of Trust, Mortgage · VA Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2011 · Amount on File
Deed Sale	Aug 26, 2011 · Amount on File
Prior Sale	Aug 24, 2004 · Amount on File
Deed Document Number	20118
Deed Book / Page	47756 / 248
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	10 PINE RIDGE DR, OXFORD, MA 01540-1908
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069956-90
Date	Dec 4, 2023
Book Page	69956/90
Instrument	101491

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2034

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	10 PINE RIDGE DR, OXFORD, MA 01540-1908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62525-150
Date	Jun 3, 2020
Book Page	62525/150
Instrument	57671

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 10 Pine Ridge Dr was $4,104, up 9,02% from the year before.

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	$4,104.00 (+9,02%)	$335,600 (-6.36%) Land $75,800 Building $259,800	$409,495 (+2.27%)
2025	$45.00 (-98.95%)	$358,400 (+12.53%) Land $87,100 Building $271,300	$400,425
2024	$4,293.00 (+1.59%)	$318,500 (+2.81%) Land $80,900 Building $237,600
2023	$4,226.00	$309,800 Land $72,200 Building $237,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Pine Ridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 10 Pine Ridge Dr 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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