4 Arrowhead Dr, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 4 Arrowhead Dr, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,212 sqft · built 1997
Lot Size	1.21 acres (53,106 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Jun 2025)
Tax Bill	$6,426 (2026)
Deeds & Mortgages	Jul 2021 Refinance Jun 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45B03.03`

Property Details

APN / Parcel Number

Primary APN	`45B03.03`
Alternative APN	`OXFO M:45 B:B03.03`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,212 sqft Living Area
Gross Area	3,752 sqft
1st Floor Area	1,348 sqft
Basement Area	1,780 sqft
Unfinished Basement	1,348 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,106 sqft (1.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	45B03.03
Street Address	4 ARROWHEAD DR
City	OXFORD
State	MA
Zip	01540-2396
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	B03.03
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2009
Census Tract	753200

Owner

4 Arrowhead Dr is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 ARROWHEAD DR, OXFORD, MA 01540-2396
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Jun 10, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GREENSTATE CREDIT UNION
Oct 4, 2019	Deed of Trust, Mortgage · ARM HANSCOM FCU
Apr 3, 2018	Deed of Trust, Mortgage · Closed-End Mortgage CORNERSTONE BANK
Sep 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on File
Deed Sale	Jun 10, 2025 · Amount on File
Prior Sale	Oct 30, 2003 · Amount on File
Deed Book / Page	72102 / 75
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	4 ARROWHEAD DR, OXFORD, MA 01540-2396
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065645-167
Date	Jul 19, 2021
Book Page	65645/167
Instrument	100315

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Jun 10, 2025
Property Address	4 ARROWHEAD DR, OXFORD, MA 01540-2396
Document Number	0072102-75
Book / Page	72102 / 75
Instrument Date	Jun 10, 2025
Instrument	46788
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	4 ARROWHEAD DR, OXFORD, MA 01540-2396

Mortgage

Document Number	0000046789
Date	Jun 10, 2025
Instrument	46789

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Jul 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	4 ARROWHEAD DR, OXFORD, MA 01540-2396
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61182-69
Date	Oct 4, 2019
Book Page	61182/69
Instrument	104506

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Nov 1, 2029

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	4 ARROWHEAD DR, OXFORD, MA 01540-2396
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58619-232
Date	Apr 3, 2018
Book Page	58619/232
Instrument	30748

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2038

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	4 ARROWHEAD DR, OXFORD, MA 01540-2396
Document Number	57743-115
Book / Page	057743 / 000115
Instrument Date	Sep 9, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	57743-115
Date	Sep 18, 2017
Book Page	057743/000115
Instrument	2305

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 4 Arrowhead Dr was $6,426, up 1.5% 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	$6,426.00 (+1.48%)	$525,400 (+5.12%) Land $100,500 Building $424,900	$562,637 (-2.14%)
2025	$6,332.00 (+2.56%)	$499,800 (+9.13%) Land $115,600 Building $384,200	$574,940
2024	$6,174.00 (+6.3%)	$458,000 (+7.56%) Land $107,400 Building $350,600
2023	$5,808.00	$425,800 Land $95,900 Building $329,900

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

Flood

FEMA maps place 4 Arrowhead Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4 Arrowhead Dr 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	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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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