178 Adams Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 178 Adams Rd, Oakham, MA 01068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,924 sqft · built 2003
Lot Size	8.88 acres (386,813 sqft)
Owner	Individual Name on File
Last Sale	$10,000 (Feb 2006)
Tax Bill	$5,985 (2025)
Deeds & Mortgages	Jul 2020 Refinance Jul 2019 Mortgage + 1 more
APN	`2224060000000481`

Property Details

APN / Parcel Number

Primary APN	`2224060000000481`
Alternative APN	`OAKH M:4060 B:0000 L:00481`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,924 sqft Living Area
Gross Area	5,575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	386,813 sqft (8.88 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2224060000000481
Street Address	178 ADAMS RD
City	OAKHAM
State	MA
Zip	01068-9640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	481
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1024
Census Tract	721101

Owner

178 Adams Rd is owned and occupied by an individual who bought it in February 2006.

Source: Worcester County and Oakham Town records, as of July 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	178 ADAMS RD, OAKHAM, MA 01068-9640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK
Jul 17, 2019	Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION
Mar 30, 2018	Quit Claim Deed, Transfer · VA Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2006 · Amount on File
Deed Sale	Feb 22, 2006 · Amount on File
Deed Document Number	200625549
Deed Book / Page	38431 / 219
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	178 ADAMS RD, OAKHAM, MA 01068-9640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62735-1
Date	Jul 6, 2020
Book Page	62735/1
Instrument	71822

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	178 ADAMS RD, OAKHAM, MA 01068-9640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60716-376
Date	Jul 17, 2019
Book Page	60716/376
Instrument	68585

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2039

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKHAM MA
Recording Date	Mar 30, 2018
Property Address	178 ADAMS RD, OAKHAM, MA 01068-9640
Document Number	58604-130
Book / Page	58604 / 130
Instrument	29539
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$51.01
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 ADAMS RD, OAKHAM, MA 01068-9640

Mortgage

Document Number	58604-134
Date	Mar 30, 2018
Book Page	58604/134
Instrument	29540

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 178 Adams Rd was $5,985, up 6% from the year before.

Source: Worcester County and Oakham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oakham Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,985.00 (+5.99%)	$518,200 (+1.67%) Land $161,400 Building $356,800	$490,770 (-)
2024	$5,647.00 (+5.28%)	$509,700 (+9.94%) Land $158,700 Building $351,000	$490,770
2023	$5,364.00	$463,600 Land $141,800 Building $321,800

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

Flood

FEMA's flood maps do not cover 178 Adams Rd; there have been 2 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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 178 Adams Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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