401 Gaffney Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 401 Gaffney Rd, Oakham, MA 01068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,883 sqft · built 2006
Lot Size	17.2 acres (749,668 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,731 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2020 Mortgage
APN	`OAKH M:4080 B:0000 L:00371`

Property Details

APN / Parcel Number

Primary APN	`OAKH M:4080 B:0000 L:00371`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,883 sqft Living Area
Gross Area	3,703 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	749,668 sqft (17.2 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 GAFFNEY RD
City	OAKHAM
State	MA
Zip	01068-9643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	371
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1061
Census Tract	721101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	401 GAFFNEY RD, OAKHAM, MA 01068-9643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2018	Deed of Trust, Mortgage · FHA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jul 30, 2020	Deed of Trust, Mortgage · Balloon Mortgage COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	401 GAFFNEY RD, OAKHAM, MA 01068-9643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59073-98
Date	Jul 10, 2018
Book Page	59073/98
Instrument	69310

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	401 GAFFNEY RD, OAKHAM, MA 01068-9643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62910-29
Date	Jul 30, 2020
Book Page	62910/29
Instrument	83058

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

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	$4,731.00 (+2.12%)	$409,600 (-2.03%) Land $145,200 Building $264,400	$466,640 (-)
2024	$4,633.00 (+7.3%)	$418,100 (+12.03%) Land $142,500 Building $275,600	$466,640
2023	$4,318.00	$373,200 Land $125,600 Building $247,600

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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