4 Howarth Rd, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 4 Howarth Rd, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,088 sqft · built 1969
Lot Size	0.172 acres (7,480 sqft)
Owner	Individual Name on Record
Last Sale	$256,000 (Dec 2022)
Tax Bill	$3,715 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:33B B:A04`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:33B B:A04`
Alternative APN	`33BA04`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,088 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	680 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,480 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	33BA04
Street Address	4 HOWARTH RD
City	OXFORD
State	MA
Zip	01540-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	A04
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1000
Census Tract	753200

Owner

Source: Worcester County and Oxford Town records, as of October 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	Individual Name on Record
Mailing Address	4 HOWARTH RD, OXFORD, MA 01540-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHPOINT MORTGAGE INC
Jul 5, 2017	Deed of Trust, Mortgage · Closed-End Mortgage NORTH BROOKFIELD SAVINGSS BANK
May 21, 2019	Deed of Trust, Mortgage · Balloon Mortgage NORTH BROOKFIELD SAVINGS BANK
Sep 27, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2022 · Amount on Record
Deed Sale	Dec 6, 2022 · Amount on Record
Prior Sale	Sep 27, 2019 · Amount on Record
Deed Book / Page	68568 / 381
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Dec 6, 2022
Property Address	4 HOWARTH RD, OXFORD, MA 01540-1902
Document Number	068568-381
Book / Page	68568 / 381
Instrument Date	Dec 6, 2022
Instrument	129008
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	4 HOWARTH RD, OXFORD, MA 01540-1902

Mortgage

Document Number	0000129009
Date	Dec 6, 2022
Instrument	129009

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	4 HOWARTH RD, OXFORD, MA 01540-1902
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57369-361
Date	Jul 5, 2017
Book Page	57369/361
Instrument	70498

Lender

Name	NORTH BROOKFIELD SAVINGSS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2037

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	4 HOWARTH RD, OXFORD, MA 01540-1902
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60433-168
Date	May 21, 2019
Book Page	60433/168
Instrument	45638

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Sep 27, 2019
Property Address	4 HOWARTH RD, OXFORD, MA 01540-1902
Document Number	61134-299
Book / Page	61134 / 299
Instrument Date	Sep 13, 2019
Instrument	101075
Transaction Type	Transfer
Record Updated	May 12, 2021

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	4 HOWARTH RD, OXFORD, MA 01540-1902

Mortgage

Document Number	101076
Date	Sep 27, 2019
Instrument	101076

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$3,715.00 (+11,883.87%)	$303,800 (+23.05%) Land $71,700 Building $232,100	$297,852 (-2.51%)
2025	$31.00 (-98.98%)	$246,900 (+9.44%) Land $71,700 Building $175,200	$305,520
2024	$3,041.00 (+13.47%)	$225,600 (+14.81%) Land $66,300 Building $159,300
2023	$2,680.00	$196,500 Land $56,300 Building $140,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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 347 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

Cell Coverage

5G (outdoors only) and 4G LTE

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