45 Tram Dr, Oxford, CT 06478 Property Records

Oxford Town property record for 45 Tram Dr, Oxford, CT 06478

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,900 sqft · built 1992
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2019)
Tax Bill	$8,327 (2026)
Deeds & Mortgages	May 2022 Refinance Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T0368100`

Property Details

APN / Parcel Number

Primary APN	`T0368100`
Alternative APNs	`OXFO M:29 B:69 L:T-26` `OXFD M:29 B:69 L:T-26`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,900 sqft Living Area
Gross Area	5,427 sqft
Basement Area	1,744 sqft
Unfinished Basement	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	T0368100
Street Address	45 TRAM DR
City	OXFORD
State	CT
Zip	06478-1845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	69
Legal Lot Number	T-26
Jurisdiction	OXFORD CT
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2002
Census Tract	346101

Owner

Source: 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	2 Individual Names on Record
Mailing Address	45 TRAM DR, OXFORD, CT 06478-1845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Oct 13, 2020	Deed of Trust, Mortgage · Balloon Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 23, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Mar 21, 2019	Foreclosure, Transfer UNKNOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Sep 1, 1999 · Amount on Record
Deed Document Number	20191164040004
Deed Book / Page	434 / 649
Prior Transfer Date	Mar 20, 2019
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	45 TRAM DR, OXFORD, CT 06478-1845
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000460-453
Date	May 11, 2022
Book Page	460/453

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD CT
Property Address	45 TRAM DR, OXFORD, CT 06478-1845
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	442-335
Date	Oct 13, 2020
Book Page	442/335
Instrument	1183630010

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OXFORD CT
Recording Date	Dec 23, 2019
Property Address	45 TRAM DR, OXFORD, CT 06478-1845
Document Number	434-649
Book / Page	434 / 649
Instrument Date	Dec 18, 2019
Instrument	1164040004
Transaction Type	Transfer
Record Updated	May 21, 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
Relationship	Joint Tenants with Right of Survivorship
Address	118 SHELTON RD, OXFORD, CT 06478-6109

Mortgage

Document Number	1164050010
Date	Dec 23, 2019
Instrument	1164050010

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2019: Foreclosure, Transfer

Document Type	Foreclosure
Jurisdiction	OXFORD CT
Recording Date	Mar 21, 2019
Property Address	45 TRAM DR, OXFORD, CT 06478-1845
Document Number	428-764
Book / Page	000428 / 000764
Instrument Date	Mar 20, 2019
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	UNKNOWN

Transaction

Tax	$0.00
Additional	Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45 TRAM DR OXFORD CT 064781845, OXFORD, CT 06478-1845

Tax Assessment & Valuation

Source: Oxford Town assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
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	$8,327.00 (+2.69%)	$405,230 (-) Land $78,190 Building $327,040	$675,848 (+138.26%)
2025	$8,109.00	$405,230 (+53.32%) Land $78,190 Building $327,040	$283,661 Land $54,733 Building $228,928
2024	$8,109.00 (+25.18%)
2023	$6,478.00	$264,300 Land $85,000 Building $179,300

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 January 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 55% of Connecticut
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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