14 Tram Dr, Oxford, CT 06478 Property Records

Oxford Town property record for 14 Tram Dr, Oxford, CT 06478

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,688 sqft · built 2003
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,812 (2025)
Deeds & Mortgages	Jan 2023 Refinance Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T0369400`

Property Details

APN / Parcel Number

Primary APN	`T0369400`
Alternative APNs	`OXFO M:22 B:69 L:27-B` `OXFD M:22 B:69 L:27-B`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	4,908 sqft
Basement Area	1,344 sqft
Unfinished Basement	644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	T0369400
Street Address	14 TRAM DR
City	OXFORD
State	CT
Zip	06478-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	69
Legal Lot Number	27-B
Jurisdiction	OXFORD CT
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2002
Census Tract	346101

Owner

Source: Oxford Town records · APN T0369400

Assessment roll updated June 25, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	14 TRAM DR, OXFORD, CT 06478-1827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Aug 11, 2021	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Aug 11, 2021	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Sep 12, 2018	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT COM

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 11, 2021
Deed Sale	Aug 11, 2021
Prior Sale	Jul 13, 2010 · Amount on Record
Deed Document Number	20211210390002
Deed Book / Page	452 / 1116
Prior Transfer Date	Aug 03, 2021
Prior Transfer Doc	00452-1116
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	14 TRAM DR, OXFORD, CT 06478-1827
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000464-869
Date	Jan 20, 2023
Book Page	464/869

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	289 Months
Due	Feb 01, 2047

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD CT
Recording Date	Aug 11, 2021
Property Address	14 TRAM DR, OXFORD, CT 06478-1827
Document Number	452-1116
Book / Page	452 / 1116
Instrument Date	Aug 03, 2021
Instrument	1210390002
Transaction Type	Transfer
Record Updated	Aug 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14 TRAM DR, OXFORD, CT 06478-1827

Mortgage

Document Number	452-1118
Date	Aug 11, 2021
Book Page	452/1118
Instrument	1210400015

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD CT
Recording Date	Aug 11, 2021
Property Address	14 TRAM DR, OXFORD, CT 06478-1827
Document Number	00452-1116
Book / Page	452 / 1116
Instrument Date	Aug 03, 2021
Instrument	1210390002
Transaction Type	Transfer
Record Updated	Apr 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14 TRAM DR, OXFORD, CT 06478-1827

Mortgage

Document Number	1210400015
Date	Aug 11, 2021
Instrument	1210400015

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	14 TRAM DR, OXFORD, CT 06478-1827
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	433-1049
Date	Nov 22, 2019
Book Page	433/1049

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD CT
Recording Date	Sep 12, 2018
Property Address	14 TRAM DR, OXFORD, CT 06478-1827
Document Number	425-851
Book / Page	000425 / 000851
Instrument Date	Sep 05, 2018
Instrument	1137290003
Transaction Type	Transfer
Record Updated	Oct 02, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 TRAM DR OXFORD CT 064781827, OXFORD, CT 06478-1827

Mortgage

Document Number	425-854
Date	Sep 12, 2018
Book Page	000425/000854
Instrument	1137300018

Lender

Name	LOANDEPOT COM

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Oxford Town records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Oxford Town
Unified School District	Oxford School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,812.00	$390,390 (+53.52%) Land $78,190 Building $312,200	$273,273 Land $54,733 Building $218,540
2024	$7,812.00 (+25.33%)
2023	$6,233.00	$254,300 Land $85,000 Building $169,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 25, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 55% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 67 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tram Dr

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