3 Stuart St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 3 Stuart St, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,252 sqft · built 1960
Lot Size	0.241 acres (10,502 sqft)
Owner	Individual Name on Record
Last Sale	$348,500 (Mar 2021)
Tax Bill	$4,918 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:17A B:C06`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:17A B:C06`
Alternative APN	`17AC06`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
Gross Area	2,589 sqft
1st Floor Area	1,252 sqft
Basement Area	1,848 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,502 sqft (0.241 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	17AC06
Street Address	3 STUART ST
City	OXFORD
State	MA
Zip	01540-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	C06
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1002
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	3 STUART ST, OXFORD, MA 01540-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 12, 2018	Quit Claim Deed, Transfer · Conventional with PMI MEMBERS ADV MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Prior Sale	Jan 12, 2018 · Amount on Record
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Mar 5, 2021
Property Address	3 STUART ST, OXFORD, MA 01540-1223
Document Number	0000117543
Instrument Date	Mar 5, 2021
Instrument	117543
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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	3 STUART ST, OXFORD, MA 01540-1223
Investor	Possibly a Property Investor

Mortgage

Document Number	0000117544
Date	Mar 5, 2021
Instrument	117544

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Jan 12, 2018
Property Address	3 STUART ST, OXFORD, MA 01540-1223
Document Number	0000111797
Instrument Date	Jan 11, 2018
Instrument	111797
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,149.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 FEDERAL HILL RD AUBURN MA 015013357, AUBURN, MA 01501-3357

Mortgage

Document Number	111798
Date	Jan 12, 2018
Instrument	111798

Lender

Name	MEMBERS ADV MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2048

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	$4,918.00 (+9,357.69%)	$402,100 (-2.57%) Land $73,700 Building $328,400	$396,060 (+2.89%)
2025	$52.00 (-98.94%)	$412,700 (+13.69%) Land $84,800 Building $327,900	$384,940
2024	$4,893.00 (-0.31%)	$363,000 (+0.89%) Land $78,700 Building $284,300
2023	$4,908.00	$359,800 Land $70,300 Building $289,500

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
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	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 95 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

May also be available: Verizon.

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