3 Willow St, Oxford, MA 01540 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 950 sqft · built 1955
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Dec 2025)
Tax Bill	$3,859 (2026)
Deeds & Mortgages	Feb 2021 Refinance Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:33D B:H20`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:33D B:H20`
Alternative APN	`33DH20`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	950 sqft Living Area
Gross Area	1,900 sqft
1st Floor Area	950 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	33DH20
Street Address	3 WILLOW ST
City	OXFORD
State	MA
Zip	01540-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	H20
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	4
Census Block	4039
Census Tract	753200

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 WILLOW ST, OXFORD, MA 01540-2231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 15, 2025	Quit Claim Deed, Transfer · FHA Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	May 18, 2015
Deed Book / Page	72970 / 46
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	3 WILLOW ST, OXFORD, MA 01540-2231
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064514-365
Date	Feb 22, 2021
Book Page	64514/365
Instrument	24618

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Dec 15, 2025
Property Address	3 WILLOW ST, OXFORD, MA 01540-2231
Document Number	0072970-46
Book / Page	72970 / 46
Instrument Date	Dec 15, 2025
Instrument	109542
Transaction Type	Transfer
Record Updated	Jan 7, 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 WILLOW ST, OXFORD, MA 01540-2231

Mortgage

Document Number	0000109543
Date	Dec 15, 2025
Instrument	109543

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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	$3,859.00 (-2.58%)	$315,500 (+0.93%) Land $89,600 Building $225,900	$347,289 (-2.36%)
2025	$3,961.00 (+7.9%)	$312,600 (+14.8%) Land $85,900 Building $226,700	$355,680
2024	$3,671.00 (+4.29%)	$272,300 (+5.5%) Land $81,900 Building $190,400
2023	$3,520.00	$258,100 Land $78,300 Building $179,800

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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