45 Howarth Rd, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 45 Howarth Rd, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,901 sqft · built 2003
Lot Size	1.05 acres (46,136 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jun 2012)
Tax Bill	$6,050 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33AC07.01`

Property Details

APN / Parcel Number

Primary APN	`33AC07.01`
Alternative APN	`OXFO M:33A B:C07.01`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,901 sqft Living Area
Gross Area	3,852 sqft
1st Floor Area	864 sqft
Attic	Attic
Attic Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,136 sqft (1.05 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	33AC07.01
Street Address	45 HOWARTH RD
City	OXFORD
State	MA
Zip	01540-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	PROPOSES APT SITE
Legal Block	C07.01
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 File
Mailing Address	45 HOWARTH RD, OXFORD, MA 01540-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit MILLBURY CU
Sep 15, 2017	Deed of Trust, Mortgage · Line of Credit BAY STATE BANK
Apr 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2012 · Amount on File
Deed Sale	Jun 15, 2012 · Amount on File
Prior Sale	Jan 30, 2004 · Amount on File
Deed Document Number	20126
Deed Book / Page	49129 / 109
Transfer Doc	49129-109
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	45 HOWARTH RD, OXFORD, MA 01540-1901
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066679-266
Date	Dec 6, 2021
Book Page	66679/266
Instrument	170141

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	45 HOWARTH RD, OXFORD, MA 01540-1901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57737-250
Date	Sep 15, 2017
Book Page	57737/250
Instrument	101808

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2037

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	45 HOWARTH RD, OXFORD, MA 01540-1901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62250-232
Date	Apr 22, 2020
Book Page	62250/232
Instrument	40049

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

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	$6,050.00 (+3.93%)	$494,700 (+7.68%) Land $121,100 Building $373,600	$501,886
2025	$5,821.00 (+3.52%)	$459,400 (+10.14%) Land $110,500 Building $348,900
2024	$5,623.00 (+7.04%)	$417,100 (+8.31%) Land $102,700 Building $314,400
2023	$5,253.00	$385,100 Land $100,900 Building $284,200

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 100 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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