Worcester County and Oxford Town property record for 10 Spruce St, Oxford, MA 01540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1956 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,650 (2026) |
| Deeds & Mortgages | Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | OXFO M:33E B:M04 |
| Primary APN | OXFO M:33E B:M04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,432 sqft |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,368 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,800 sqft (0.248 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 33EM04 |
|---|---|
| Street Address | 10 SPRUCE ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-2209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Subdivision | LESLIE J CHAFFEE |
| Legal Block | M04 |
| Jurisdiction | OXFORD MA |
| Township / Civil Division | OXFORD |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 753200 |
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 | 10 SPRUCE ST, OXFORD, MA 01540-2209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 10 SPRUCE ST, OXFORD, MA 01540-2209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62974-313 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 62974/313 |
| Instrument | 87590 |
| Name | HOMETOWN BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $4,650.00 (+10,468.18%) | $380,200 (+7.16%) Land $88,700 Building $291,500 | $355,535 (-8.59%) |
| 2025 | $44.00 (-98.96%) | $354,800 (+13.21%) Land $85,000 Building $269,800 | $388,930 |
| 2024 | $4,225.00 (-0.59%) | $313,400 (+0.58%) Land $81,100 Building $232,300 | |
| 2023 | $4,250.00 | $311,600 Land $77,500 Building $234,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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