11 Stuart St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 11 Stuart St, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1955
Lot Size	0.372 acres (16,188 sqft)
Owner	Individual Name on Record
Last Sale	$49,000 (Jul 1982)
Tax Bill	$3,953 (2026)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:17A B:C02`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:17A B:C02`
Alternative APN	`17AC02`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,312 sqft Living Area
Gross Area	2,680 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,188 sqft (0.372 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	17AC02
Street Address	11 STUART ST
City	OXFORD
State	MA
Zip	01540-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	C02
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1002
Census Tract	753100

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	11 STUART ST, OXFORD, MA 01540-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 1982 · Amount on Record
Deed Sale	Jul 20, 1982 · Amount on Record
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	11 STUART ST, OXFORD, MA 01540-1223
Document Number	0000115294
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 STUART ST OXFORD MA 015401223, OXFORD, MA 01540-1223

Mortgage

Document Number	0000115294
Date	Jan 6, 2020
Instrument	115294

Lender

Name	SANTANDER BK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

Interest

Rate Type	Adjustable Rate

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	$3,953.00 (+9,093.02%)	$323,200 (-6.21%) Land $77,400 Building $245,800	$368,083 (-1.79%)
2025	$43.00 (-99.03%)	$344,600 (+5.32%) Land $89,000 Building $255,600	$374,775
2024	$4,411.00 (+8.19%)	$327,200 (+9.47%) Land $82,600 Building $244,600
2023	$4,077.00	$298,900 Land $73,800 Building $225,100

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 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

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.

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 93 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.

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