Worcester County and Oxford Town property record for 3 Birch St, Oxford, MA 01540 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1959 |
| Lot Size | 0.296 acres (12,896 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Aug 2019) |
| Tax Bill | $44 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Mar 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OXFO M:33E B:L08 |
| Primary APN | OXFO M:33E B:L08 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 2,208 sqft |
| 1st Floor Area | 1,296 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,896 sqft (0.296 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 33EL08 |
|---|---|
| Street Address | 3 BIRCH ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-2215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | L08 |
| Jurisdiction | OXFORD MA |
| Township / Civil Division | OXFORD |
| Census Block Group | 4 |
| Census Block | 4038 |
| Census Tract | 753200 |
Source: Worcester County and Oxford Town records · APN OXFO M:33E B:L08
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3 BIRCH ST, OXFORD, MA 01540-2215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 03, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 09, 2022 | Quit Claim Deed, Transfer · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Sep 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Aug 21, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 21, 2019 · Amount on Record |
| Deed Sale | Aug 21, 2019 · Amount on Record |
| Prior Sale | Jul 14, 1978 · Amount on Record |
| Deed Document Number | 201984027 |
| Deed Book / Page | 60915 / 286 |
| Last Transfer Date | Nov 26, 2021 |
| Transfer Doc | 067234-255 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 3 BIRCH ST, OXFORD, MA 01540-2215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069715-357 |
|---|---|
| Date | Oct 03, 2023 |
| Book Page | 69715/357 |
| Instrument | 82204 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Mar 09, 2022 |
| Property Address | 3 BIRCH ST, OXFORD, MA 01540-2215 |
| Document Number | 067234-251 |
| Book / Page | 67234 / 251 |
| Instrument Date | Nov 26, 2021 |
| Instrument | 26530 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 BIRCH ST, OXFORD, MA 01540-2215 |
| Document Number | 067234-255 |
|---|---|
| Date | Mar 09, 2022 |
| Book Page | 67234/255 |
| Instrument | 26531 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 3 BIRCH ST, OXFORD, MA 01540-2215 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63329-259 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 63329/259 |
| Instrument | 111099 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Aug 21, 2019 |
| Property Address | 3 BIRCH ST, OXFORD, MA 01540-2215 |
| Document Number | 60915-286 |
| Book / Page | 60915 / 286 |
| Instrument Date | Aug 21, 2019 |
| Instrument | 84027 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | TAYLOR ABSTRACT CO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 BIRCH ST, OXFORD, MA 01540-2215 |
| Document Number | 84028 |
|---|---|
| Date | Aug 21, 2019 |
| Instrument | 84028 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Oxford Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Oxford Town |
| Unified School District | Oxford School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $44.00 (-98.94%) | $350,300 (+13.48%) Land $86,600 Building $263,700 | $393,300 |
| 2024 | $4,161.00 (+4.18%) | $308,700 (+5.43%) Land $82,500 Building $226,200 | |
| 2023 | $3,994.00 | $292,800 Land $78,900 Building $213,900 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277532004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 347 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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