18 Howarth Rd, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 18 Howarth Rd, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,182 sqft · built 1985
Lot Size	0.569 acres (24,792 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2020)
Tax Bill	$4,366 (2026)
Deeds & Mortgages	Sep 2020 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33BA48.03`

Property Details

APN / Parcel Number

Primary APN	`33BA48.03`
Alternative APN	`OXFO M:33B B:A48.03`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Building Area	1,182 sqft Living Area
Gross Area	3,346 sqft
1st Floor Area	1,144 sqft
Basement Area	1,844 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,792 sqft (0.569 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	33BA48.03
Street Address	18 HOWARTH RD
City	OXFORD
State	MA
Zip	01540-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	A48.03
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1000
Census Tract	753200

Owner

18 Howarth Rd is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	18 HOWARTH RD, OXFORD, MA 01540-1902
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Jul 27, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	Aug 5, 1999 · Amount on File
Deed Document Number	202080856
Deed Book / Page	62874 / 225
Prior Transfer Date	Jul 24, 2020
Prior Transfer Doc	62874-225
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	18 HOWARTH RD, OXFORD, MA 01540-1902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63369-121
Date	Sep 29, 2020
Book Page	63369/121
Instrument	113690

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2045

Interest

Rate Type	Adjustable Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Jul 27, 2020
Property Address	18 HOWARTH RD, OXFORD, MA 01540-1902
Document Number	62874-225
Book / Page	62874 / 225
Instrument Date	Jul 24, 2020
Instrument	80856
Transaction Type	Transfer
Record Updated	May 12, 2021

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	18 HOWARTH RD, OXFORD, MA 01540-1902

Mortgage

Document Number	80857
Date	Jul 27, 2020
Instrument	80857

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 18 Howarth Rd was $4,366, up 10,548.8% 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	$4,366.00 (+10,548.78%)	$357,000 (+8.78%) Land $82,600 Building $274,400	$379,024 (+29.41%)
2025	$41.00 (-98.96%)	$328,200 (+11.94%) Land $82,600 Building $245,600	$292,885
2024	$3,952.00 (+3%)	$293,200 (+4.23%) Land $78,900 Building $214,300
2023	$3,837.00	$281,300 Land $67,000 Building $214,300

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

Flood

FEMA maps place 18 Howarth Rd 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Claims	1 (1982)
Most Recent Claim	Feb 1982 · rainfall accumulation

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 18 Howarth 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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