19 Forest St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 19 Forest St, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1973
Lot Size	0.519 acres (22,614 sqft)
Owner	Individual Name on File
Last Sale	$302,000 (Aug 2021)
Tax Bill	$4,683 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:30A B:A05`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:30A B:A05`
Alternative APN	`30AA05`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	960 sqft
Basement Area	1,560 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,614 sqft (0.519 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	30AA05
Street Address	19 FOREST ST
City	OXFORD
State	MA
Zip	01540-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	A05
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1012
Census Tract	753200

Owner

19 Forest St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	19 FOREST ST, OXFORD, MA 01540-1508
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
Oct 3, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Aug 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CENTRAL ONE FEDERAL CREDIT UNION
Sep 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on File
Deed Sale	Aug 2, 2021 · Amount on File
Prior Sale	Sep 30, 2020 · Amount on File
Deed Document Number	2021108366
Deed Book / Page	65755 / 266
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	19 FOREST ST, OXFORD, MA 01540-1508
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068299-306
Date	Oct 3, 2022
Book Page	68299/306
Instrument	107865

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Aug 2, 2021
Property Address	19 FOREST ST, OXFORD, MA 01540-1508
Document Number	65755-266
Book / Page	65755 / 266
Instrument Date	Aug 2, 2021
Instrument	108366
Transaction Type	Transfer
Record Updated	Aug 20, 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
Relationship	Joint Tenants
Address	19 FOREST ST, OXFORD, MA 01540-1508

Mortgage

Document Number	108367
Date	Aug 2, 2021
Instrument	108367

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.63%
Type Change Date	Sep 1, 2036
Max Rate At Change	2.88%
Index	5-Year CMT

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Sep 30, 2020
Property Address	19 FOREST ST, OXFORD, MA 01540-1508
Document Number	63388-245
Book / Page	63388 / 245
Instrument Date	Sep 25, 2020
Instrument	114870
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
Relationship	Joint Tenants
Address	19 FOREST ST, OXFORD, MA 01540-1508

Mortgage

Document Number	114871
Date	Sep 30, 2020
Instrument	114871

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 19 Forest St was $4,683, up 10,306.7% 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	$4,683.00 (+10,306.67%)	$382,900 (+6.84%) Land $81,300 Building $301,600	$367,522 (-0.98%)
2025	$45.00 (-98.93%)	$358,400 (+15.24%) Land $93,500 Building $264,900	$371,165
2024	$4,192.00 (-0.73%)	$311,000 (+0.45%) Land $86,800 Building $224,200
2023	$4,223.00	$309,600 Land $77,500 Building $232,100

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

Flood

FEMA maps place 19 Forest St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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
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 19 Forest St 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	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.

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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