176 Sutton Ave, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 176 Sutton Ave, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,326 sqft · built 1997
Lot Size	7.99 acres (348,367 sqft)
Owner	Individual Name on Record
Last Sale	$62,500 (Dec 1996)
Tax Bill	$7,342 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38A07.03`

Property Details

APN / Parcel Number

Primary APN	`38A07.03`
Alternative APN	`OXFO M:38 B:A07.03`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,326 sqft Living Area
Gross Area	4,215 sqft
1st Floor Area	1,163 sqft
Basement Area	1,163 sqft
Unfinished Basement	1,163 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	348,367 sqft (7.99 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	38A07.03
Street Address	176 SUTTON AVE
City	OXFORD
State	MA
Zip	01540-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	A07.03
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	5
Census Block	5025
Census Tract	753100

Owner

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	Individual Name on Record
Mailing Address	176 SUTTON AVE, OXFORD, MA 01540-1820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Line of Credit BANKESB
May 16, 2018	Deed of Trust, Mortgage HOMETOWN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 1996 · Amount on Record
Deed Sale	Dec 3, 1996 · Amount on Record
Deed Book / Page	18444 / 348
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	176 SUTTON AVE, OXFORD, MA 01540-1820
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070216-25
Date	Feb 22, 2024
Book Page	70216/25
Instrument	12921

Lender

Name	BANKESB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	176 SUTTON AVE, OXFORD, MA 01540-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58809-138
Date	May 16, 2018
Book Page	58809/138
Instrument	46981

Lender

Name	HOMETOWN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 1, 2033

Tax Assessment & Valuation

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	$7,342.00 (+10,097.22%)	$600,300 (+5.13%) Land $137,400 Building $462,900	$626,068 (+18.4%)
2025	$72.00 (-98.99%)	$571,000 (+7.74%) Land $151,900 Building $419,100	$528,770
2024	$7,144.00 (+7.61%)	$530,000 (+8.9%) Land $145,700 Building $384,300
2023	$6,639.00	$486,700 Land $139,300 Building $347,400

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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