12 Stuart St, Oxford, MA 01540 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,739 sqft · built 1952
Lot Size	0.42 acres (18,290 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (May 2004)
Tax Bill	$4,214 (2026)
Deeds & Mortgages	Aug 2023 Refinance Jul 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:17A B:E11`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:17A B:E11`
Alternative APN	`17AE11`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,739 sqft Living Area
Gross Area	3,380 sqft
1st Floor Area	1,132 sqft
Basement Area	2,024 sqft
Unfinished Basement	1,012 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,290 sqft (0.42 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	17AE11
Street Address	12 STUART ST
City	OXFORD
State	MA
Zip	01540-1224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	E11
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1003
Census Tract	753100

Owner

12 Stuart St is owned and occupied by an individual who acquired it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12 STUART ST, OXFORD, MA 01540-1224
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 18, 2023	Deed, Transfer · Stand-Alone Refinance CLINTON SAVINGS BANK
Jul 28, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2004 · Amount on File
Deed Sale	May 21, 2004 · Amount on File
Prior Sale	Apr 26, 1993 · Amount on File
Last Transfer Date	Aug 14, 2023
Transfer Doc	0000122226
Record Updated	Oct 29, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OXFORD MA
Recording Date	Aug 18, 2023
Property Address	12 STUART ST, OXFORD, MA 01540-1224
Document Number	0000122226
Instrument Date	Aug 14, 2023
Instrument	122226
Transaction Type	Transfer
Record Updated	Oct 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12 STUART ST, OXFORD, MA 01540-1224
Investor	Possibly a Property Investor

Mortgage

Document Number	0000122227
Date	Aug 18, 2023
Instrument	122227

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OXFORD MA
Recording Date	Jul 28, 2023
Property Address	12 STUART ST, OXFORD, MA 01540-1224
Document Number	0000122100
Instrument Date	Jun 29, 2023
Instrument	122100
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 STUART ST, OXFORD, MA 01540-1224

Tax Assessment & Valuation

The 2026 property tax bill for 12 Stuart St was $4,214, up 8,679.2% 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	$4,214.00 (+8,679.17%)	$344,600 (-10.47%) Land $78,700 Building $265,900	$388,929 (-8.14%)
2025	$48.00 (-99.04%)	$384,900 (+4.11%) Land $90,500 Building $294,400	$423,415
2024	$4,984.00 (-0.46%)	$369,700 (+0.71%) Land $84,000 Building $285,700
2023	$5,007.00	$367,100 Land $75,000 Building $292,100

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

Flood

FEMA maps place 12 Stuart St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12 Stuart 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 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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