314 Gaffney Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 314 Gaffney Rd, Oakham, MA 01068

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,848 sqft · built 2005
Lot Size	8.64 acres (376,358 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Nov 2004)
Tax Bill	$8,505 (2025)
Deeds & Mortgages	Oct 2022 Refinance Jul 2017 Mortgage
APN	`OAKH M:4070 B:0000 L:00591`

Property Details

APN / Parcel Number

Primary APN	`OAKH M:4070 B:0000 L:00591`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,848 sqft Living Area
Gross Area	7,710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	376,358 sqft (8.64 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	314 GAFFNEY RD
City	OAKHAM
State	MA
Zip	01068-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	591
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1042
Census Tract	721101

Owner

Source: Worcester County and Oakham Town records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	314 GAFFNEY RD, OAKHAM, MA 01068-9618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Jul 27, 2017	Deed of Trust, Mortgage COMMERCE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2004 · Amount on Record
Deed Sale	Nov 5, 2004 · Amount on Record
Deed Document Number	2004202397
Deed Book / Page	35012 / 393
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	314 GAFFNEY RD, OAKHAM, MA 01068-9618
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068312-369
Date	Oct 4, 2022
Book Page	68312/369
Instrument	108804

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2042

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	314 GAFFNEY RD, OAKHAM, MA 01068-9618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57481-95
Date	Jul 27, 2017
Book Page	57481/95
Instrument	80166

Lender

Name	COMMERCE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Oakham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oakham Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,505.00 (+5.93%)	$736,400 (+1.63%) Land $160,600 Building $575,800	$671,840 (-)
2024	$8,029.00 (+0.44%)	$724,600 (+4.88%) Land $157,900 Building $566,700	$671,840
2023	$7,994.00	$690,900 Land $141,000 Building $549,900

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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