Worcester County and Oxford Town property record for 15 Pine St, Oxford, MA 01540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,877 sqft · built 1913 |
| Lot Size | 0.375 acres (16,335 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $444,000 (Jun 2025) |
| Tax Bill | $4,822 (2026) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OXFO M:33C B:C25 |
| Primary APN | OXFO M:33C B:C25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,877 sqft Living Area |
| Gross Area | 3,510 sqft |
| 1st Floor Area | 1,488 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,335 sqft (0.375 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 33CC25 |
|---|---|
| Street Address | 15 PINE ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-2105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | C25 |
| Jurisdiction | OXFORD MA |
| Township / Civil Division | OXFORD |
| Census Block Group | 2 |
| Census Block | 2016 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 15 PINE ST, OXFORD, MA 01540-2105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 20, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIDELITY COOPERATIVE BANK |
| Jun 1, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CYNTHIA A GILCHRIST |
| Sep 11, 2017 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FCU |
| Oct 2, 2018 | Deed of Trust, Mortgage WEBSTER FIRST FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2025 · Amount on Record |
| Deed Sale | Jun 20, 2025 · Amount on Record |
| Prior Sale | Jun 1, 2021 · Amount on Record |
| Deed Book / Page | 72150 / 74 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Jun 20, 2025 |
| Property Address | 15 PINE ST, OXFORD, MA 01540-2105 |
| Document Number | 0072150-74 |
| Book / Page | 72150 / 74 |
| Instrument Date | Jun 20, 2025 |
| Instrument | 50331 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 15 PINE ST, OXFORD, MA 01540-2105 |
| Document Number | 0000050334 |
|---|---|
| Date | Jun 20, 2025 |
| Instrument | 50334 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0072150-98 |
|---|---|
| Date | Jun 20, 2025 |
| Book Page | 72150/98 |
| Instrument | 50335 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Jun 1, 2021 |
| Property Address | 15 PINE ST, OXFORD, MA 01540-2105 |
| Document Number | 65293-74 |
| Book / Page | 65293 / 74 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 75702 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 PINE ST, OXFORD, MA 01540-2105 |
| Document Number | 75703 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 75703 |
| Name | CYNTHIA A GILCHRIST |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 15 PINE ST, OXFORD, MA 01540-2105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57708-169 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 57708/169 |
| Instrument | 99264 |
| Name | WEBSTER FIRST FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 15 PINE ST, OXFORD, MA 01540-2105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59496-5 |
|---|---|
| Date | Oct 2, 2018 |
| Book Page | 59496/5 |
| Instrument | 104772 |
| Name | WEBSTER FIRST FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Oct 1, 2033 |
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 | $4,822.00 (-0.68%) | $394,300 (+2.9%) Land $93,000 Building $301,300 | $419,526 (-15.77%) |
| 2025 | $4,855.00 (+1.17%) | $383,200 (+7.64%) Land $89,100 Building $294,100 | $498,085 |
| 2024 | $4,799.00 (+2.02%) | $356,000 (+3.22%) Land $84,900 Building $271,100 | |
| 2023 | $4,704.00 | $344,900 Land $81,200 Building $263,700 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures