12 State St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 12 State St, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 828 sqft · built 1957
Lot Size	0.171 acres (7,442 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Dec 2018)
Tax Bill	$4,334 (2026)
Deeds & Mortgages	Aug 2020 Refinance Sep 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:45B B:D04`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:45B B:D04`
Alternative APN	`45BD04`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	828 sqft Living Area
Gross Area	2,364 sqft
1st Floor Area	828 sqft
Basement Area	768 sqft
Unfinished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,442 sqft (0.171 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	45BD04
Street Address	12 STATE ST
City	OXFORD
State	MA
Zip	01540-2353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	D04
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	3
Census Block	3005
Census Tract	753200

Owner

12 State St is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	12 STATE ST, OXFORD, MA 01540-2353
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
Aug 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE
Sep 11, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 21, 2018	Quit Claim Deed, Transfer · Conventional with PMI NORWICH COM'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Prior Sale	Feb 23, 2015 · Amount on File
Deed Book / Page	59854 / 321
Prior Transfer Date	Dec 17, 2018
Prior Transfer Doc	59854-321
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	12 STATE ST, OXFORD, MA 01540-2353
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	062994-226
Date	Aug 11, 2020
Book Page	62994/226
Instrument	88829

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Sep 11, 2019
Property Address	12 STATE ST, OXFORD, MA 01540-2353
Document Number	61032-214
Book / Page	061032 / 000214
Instrument Date	Sep 6, 2019
Instrument	93101
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 RACICOT AVE WEBSTER MA 015701639, WEBSTER, MA 01570-1639

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Dec 21, 2018
Property Address	12 STATE ST, OXFORD, MA 01540-2353
Document Number	59854-321
Book / Page	059854 / 000321
Instrument Date	Dec 17, 2018
Instrument	135303
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$934.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 STATE ST OXFORD MA 015402353, OXFORD, MA 01540-2353

Mortgage

Document Number	59854-324
Date	Dec 21, 2018
Book Page	059854/000324
Instrument	135304

Lender

Name	NORWICH COM'L

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 12 State St was $4,334, up 9,979.1% 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	$4,334.00 (+9,979.07%)	$354,400 (+2.46%) Land $71,600 Building $282,800	$330,211 (+11.09%)
2025	$43.00 (-98.93%)	$345,900 (+15.53%) Land $82,400 Building $263,500	$297,255
2024	$4,036.00 (+3.73%)	$299,400 (+4.94%) Land $74,100 Building $225,300
2023	$3,891.00	$285,300 Land $66,200 Building $219,100

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

Flood

FEMA maps place 12 State St 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 State 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	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 240 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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