Worcester County and Oxford Town property record for 445 Main St, Oxford, MA 01540
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,800 sqft · built 1917 |
| Lot Size | 0.432 acres (18,833 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $595,000 (Dec 2023) |
| Tax Bill | $7,425 (2026) |
| Deeds & Mortgages | Dec 2022 Mortgage Dec 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OXFO M:29A B:D10 |
| Primary APN | OXFO M:29A B:D10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Building Area | 2,800 sqft Living Area |
| Gross Area | 5,310 sqft |
| 1st Floor Area | 1,212 sqft |
| Attic | Attic |
| Attic Area | 1,212 sqft |
| Basement Area | 1,212 sqft |
| Unfinished Basement | 1,212 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1917 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,833 sqft (0.432 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 29AD10 |
|---|---|
| Street Address | 445 MAIN ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-1714 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R3 |
| Legal Block | D10 |
| Jurisdiction | OXFORD MA |
| Township / Civil Division | OXFORD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 753200 |
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 | 445 MAIN ST, OXFORD, MA 01540-1714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Commercial Mortgage WEBSTER FIRST FEDERAL CREDIT UNION |
| Dec 12, 2023 | Quit Claim Deed, Transfer · FHA Mortgage MSA LENDING LLC |
| Nov 10, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2023 · Amount on Record |
| Deed Sale | Dec 12, 2023 · Amount on Record |
| Prior Sale | Nov 10, 2022 · Amount on Record |
| Deed Document Number | 2023103973 |
| Deed Book / Page | 69985 / 173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 445 MAIN ST, OXFORD, MA 01540-1714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2024 |
| Name | Verified Name |
|---|
| Document Number | 068596-321 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 68596/321 |
| Instrument | 131384 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Dec 12, 2023 |
| Property Address | 445 MAIN ST, OXFORD, MA 01540-1714 |
| Document Number | 069985-173 |
| Book / Page | 69985 / 173 |
| Instrument Date | Dec 12, 2023 |
| Instrument | 103973 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 MAIN ST, OXFORD, MA 01540-1714 |
| Document Number | 0000103974 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 103974 |
| Name | MSA LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Nov 10, 2022 |
| Property Address | 445 MAIN ST, OXFORD, MA 01540-1714 |
| Document Number | 068474-164 |
| Book / Page | 68474 / 164 |
| Instrument Date | Nov 8, 2022 |
| Instrument | 121462 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 ELM ST, OXFORD, MA 01540-1623 |
Source: Worcester County and Oxford Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Oxford Town |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,425.00 (+13,158.93%) | $607,100 (+37.32%) Land $79,100 Building $528,000 | $507,515 |
| 2025 | $56.00 (-98.09%) | $442,100 (+103.45%) Land $79,100 Building $363,000 | |
| 2024 | $2,929.00 (-20.92%) | $217,300 (-7.45%) Land $75,300 Building $142,000 | |
| 2023 | $234,800 Land $64,000 Building $170,800 | ||
| 2022 | $3,704.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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