35 Old Howarth Rd, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 35 Old Howarth Rd, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1972
Lot Size	0.988 acres (43,049 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Oct 2003)
Tax Bill	$5,208 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:31 B:E07`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:31 B:E07`
Alternative APN	`31E07`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,288 sqft Living Area
Gross Area	2,898 sqft
1st Floor Area	1,288 sqft
Basement Area	2,380 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,049 sqft (0.988 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	31E07
Street Address	35 OLD HOWARTH RD
City	OXFORD
State	MA
Zip	01540-1946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	E07
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2013
Census Tract	753100

Owner

35 Old Howarth Rd is owned and occupied by an individual who bought it in October 2003.

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

Owner of Record	Individual Name on File
Mailing Address	35 OLD HOWARTH RD, OXFORD, MA 01540-1946
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
Jan 25, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Sep 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2003 · Amount on File
Deed Sale	Oct 31, 2003 · Amount on File
Deed Document Number	2003290672
Deed Book / Page	32116 / 275
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	35 OLD HOWARTH RD, OXFORD, MA 01540-1946
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070129-349
Date	Jan 25, 2024
Book Page	70129/349
Instrument	5939

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	35 OLD HOWARTH RD, OXFORD, MA 01540-1946
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66025-370
Date	Sep 9, 2021
Book Page	66025/370
Instrument	126857

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 35 Old Howarth Rd was $5,208, up 10,316% 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	$5,208.00 (+10,316%)	$425,800 (+6.34%) Land $113,100 Building $312,700	$413,672 (+5.72%)
2025	$50.00 (-98.97%)	$400,400 (+11.66%) Land $108,400 Building $292,000	$391,305
2024	$4,834.00 (-3.74%)	$358,600 (-2.61%) Land $103,400 Building $255,200
2023	$5,022.00	$368,200 Land $98,900 Building $269,300

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

Flood

FEMA maps place 35 Old Howarth Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 35 Old Howarth Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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