Worcester County and Oxford Town property record for 12 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 |
| Last Sale | $415,000 (Aug 2024) |
| Tax Bill | $4,754 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance Aug 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OXFO M:33E B:M05 |
| Primary APN | OXFO M:33E B:M05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,912 sqft |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,368 sqft |
| Unfinished Basement | 912 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,800 sqft (0.248 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 33EM05 |
|---|---|
| Street Address | 12 SPRUCE ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-2209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | M05 |
| 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 | 12 SPRUCE ST, OXFORD, MA 01540-2209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIVE CENTS SAVINGS BANK |
| Aug 30, 2024 | Quit Claim Deed, Transfer · Second Mortgage (Down Payment) GUARANTEED RATE INC |
| Mar 22, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Sep 14, 2018 | Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2024 · Amount on Record |
| Deed Sale | Aug 30, 2024 · Amount on Record |
| Prior Sale | Sep 14, 2018 · Amount on Record |
| Deed Book / Page | 70971 / 113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 12 SPRUCE ST, OXFORD, MA 01540-2209 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065712-358 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 65712/358 |
| Instrument | 105281 |
| Name | WEBSTER FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Aug 30, 2024 |
| Property Address | 12 SPRUCE ST, OXFORD, MA 01540-2209 |
| Document Number | 070971-113 |
| Book / Page | 70971 / 113 |
| Instrument Date | Aug 30, 2024 |
| Instrument | 70891 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2024 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 12 SPRUCE ST, OXFORD, MA 01540-2209 |
| Investor | Possibly a Property Investor |
| Document Number | 0000070893 |
|---|---|
| Date | Aug 30, 2024 |
| Instrument | 70893 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Number | 070971-116 |
|---|---|
| Date | Aug 30, 2024 |
| Book Page | 70971/116 |
| Instrument | 70892 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Mar 22, 2024 |
| Property Address | 12 SPRUCE ST, OXFORD, MA 01540-2209 |
| Document Number | 0070313-61 |
| Book / Page | 70313 / 61 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 20614 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 SPRUCE ST, OXFORD, MA 01540-2209 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Sep 14, 2018 |
| Property Address | 12 SPRUCE ST, OXFORD, MA 01540-2209 |
| Document Number | 59407-213 |
| Book / Page | 59407 / 213 |
| Instrument | 97542 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31.72 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 594070215 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 59407/0215 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 14, 2048 |
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 | $4,754.00 (+9,804.17%) | $388,700 (+1.86%) Land $88,700 Building $300,000 | $394,549 (+2.52%) |
| 2025 | $48.00 (-98.95%) | $381,600 (+12.5%) Land $85,000 Building $296,600 | $384,845 |
| 2024 | $4,572.00 (-0.02%) | $339,200 (+1.16%) Land $81,100 Building $258,100 | |
| 2023 | $4,573.00 | $335,300 Land $77,500 Building $257,800 |
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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