Worcester County and Oxford Town property record for 45 Forest St, Oxford, MA 01540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1990 |
| Lot Size | 0.549 acres (23,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $113,900 (Dec 1992) |
| Tax Bill | $5,321 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29AC45.01 |
| Primary APN | 29AC45.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Gross Area | 3,048 sqft |
| 1st Floor Area | 1,616 sqft |
| Basement Area | 2,100 sqft |
| Unfinished Basement | 1,400 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,920 sqft (0.549 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 29AC45.01 |
|---|---|
| Street Address | 45 FOREST ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-1633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | C45.01 |
| Jurisdiction | OXFORD MA |
| Township / Civil Division | OXFORD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 753200 |
Source: Worcester County and Oxford Town records · APN 29AC45.01
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 45 FOREST ST, OXFORD, MA 01540-1633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage |
| Feb 05, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE |
| Dec 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Sep 28, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Feb 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 29, 1992 · Amount on Record |
| Deed Sale | Dec 29, 1992 · Amount on Record |
| Deed Book / Page | 14838 / 372 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Jun 26, 2026 |
| Property Address | 45 FOREST ST, OXFORD, MA 01540-1633 |
| Document Number | 0000052628 |
| Book / Page | 73779 / 343 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202652628 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 FOREST ST, OXFORD, MA 01540-1633 |
| Document Number | 0000052628, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 73779/343 |
| Instrument | 202652628 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 45 FOREST ST, OXFORD, MA 01540-1633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0070166-70 |
|---|---|
| Date | Feb 05, 2024 |
| Book Page | 70166/70 |
| Instrument | 8799 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 45 FOREST ST, OXFORD, MA 01540-1633 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0066770-49 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 66770/49 |
| Instrument | 176495 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 45 FOREST ST, OXFORD, MA 01540-1633 |
| Document Number | 59525-151 |
| Instrument Date | Sep 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 45 FOREST ST OXFORD MA 015401633, OXFORD, MA 01540-1633 |
| Document Number | 59525-151 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 059525/000151 |
| Instrument | 107342 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 45 FOREST ST, OXFORD, MA 01540-1633 |
| Document Number | 58462-294 |
| Instrument Date | Feb 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 58462-294 |
|---|---|
| Date | Feb 22, 2018 |
| Book Page | 058462/000294 |
| Instrument | 126 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 21, 2038 |
Source: Worcester County and Oxford Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Oxford Town |
| Unified School District | Oxford School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,321.00 (+5.49%) | $420,000 (+12.24%) Land $94,400 Building $325,600 | $425,505 |
| 2024 | $5,044.00 (+3.28%) | $374,200 (+4.5%) Land $87,700 Building $286,500 | |
| 2023 | $4,884.00 | $358,100 Land $78,300 Building $279,800 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 60 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | AQUARION WATER COMPANY OXFORD private · serves 7,384 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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