14 State St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 14 State St, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,828 sqft · built 1948
Lot Size	0.529 acres (23,049 sqft)
Owner	Individual Name on File
Last Sale	$391,000 (Jun 2022)
Tax Bill	$4,934 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:45B B:D03`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:45B B:D03`
Alternative APN	`45BD03`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,828 sqft Living Area
Gross Area	3,186 sqft
1st Floor Area	1,048 sqft
Basement Area	1,048 sqft
Unfinished Basement	1,048 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,049 sqft (0.529 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	45BD03
Street Address	14 STATE ST
City	OXFORD
State	MA
Zip	01540-2353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	D03
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	3
Census Block	3005
Census Tract	753200

Owner

14 State St is owned and occupied by an individual who bought it in June 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	14 STATE ST, OXFORD, MA 01540-2353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2022 · Amount on File
Deed Sale	Jun 16, 2022 · Amount on File
Prior Sale	Dec 13, 1999 · Amount on File
Deed Document Number	202265679
Deed Book / Page	67760 / 32
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Jun 16, 2022
Property Address	14 STATE ST, OXFORD, MA 01540-2353
Document Number	0067760-32
Book / Page	67760 / 32
Instrument Date	Jun 16, 2022
Instrument	65679
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 STATE ST, OXFORD, MA 01540-2353

Mortgage

Document Number	0000065680
Date	Jun 16, 2022
Instrument	65680

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	14 STATE ST, OXFORD, MA 01540-2353
Document Number	61251-64
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 STATE ST OXFORD MA 015402353, OXFORD, MA 01540-2353

Mortgage

Document Number	61251-64
Date	Oct 18, 2019
Book Page	061251/000064
Instrument	109796

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 17, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 14 State St was $4,934, up 8,710.7% 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	$4,934.00 (+8,710.71%)	$403,400 (-9.02%) Land $81,600 Building $321,800	$412,834 (-6.16%)
2025	$56.00 (-98.97%)	$443,400 (+10.46%) Land $93,800 Building $349,600	$439,945
2024	$5,411.00 (+10.65%)	$401,400 (+11.97%) Land $87,100 Building $314,300
2023	$4,890.00	$358,500 Land $77,800 Building $280,700

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

Flood

FEMA maps place 14 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 14 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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