4 Elm St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 4 Elm St, Oxford, MA 01540

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,622 sqft · built 1877
Lot Size	0.256 acres (11,137 sqft)
Owner	Individual Name on Record
Last Sale	$590,000 (Aug 2026)
Tax Bill	$5,766 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:34A B:A11`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:34A B:A11`
Alternative APN	`34AA11`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Building Area	2,622 sqft Living Area
Gross Area	5,592 sqft
1st Floor Area	1,599 sqft
Attic	Attic
Attic Area	1,023 sqft
Basement Area	1,023 sqft
Unfinished Basement	1,023 sqft

Exterior

Year Built	Built 1877
Effective Year Built	Effective 1877
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,137 sqft (0.256 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	34AA11
Street Address	4 ELM ST
City	OXFORD
State	MA
Zip	01540-1624
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Block	A11
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1035
Census Tract	753200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oxford Main Street Historic District listed 2011 · 223 contributing resources · NRIS 11000586

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	4 ELM ST, OXFORD, MA 01540-1624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Dec 11, 1980 · Amount on Record
Deed Document Number	202675015
Deed Book / Page	74092 / 193
Prior Transfer Date	Aug 18, 2026
Prior Transfer Doc	0000075015
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Aug 27, 2026
Property Address	4 ELM ST, OXFORD, MA 01540-1624
Document Number	0000075015
Book / Page	74092 / 193
Instrument Date	Aug 18, 2026
Instrument	202675015
Transaction Type	Transfer
Record Updated	Sep 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ELM ST, OXFORD, MA 01540-1624

Mortgage

Date	Aug 27, 2026

Lender

Name	FIRST COLONY MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

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	$5,766.00 (+10,779.25%)	$471,500 (+10.99%) Land $74,100 Building $397,400	$542,767
2025	$53.00 (-99%)	$424,800 (+7.54%) Land $85,300 Building $339,500
2024	$5,325.00 (-6.32%)	$395,000 (-5.21%) Land $79,200 Building $315,800
2023	$5,684.00	$416,700 Land $70,700 Building $346,000

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 Claims	1 (1982)
Most Recent Claim	Feb 1982 · rainfall accumulation

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 226 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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