46 Oak St, Southbridge, MA 01550 Property Records

Worcester County and Southbridge Town City property record for 46 Oak St, Southbridge, MA 01550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,385 sqft · built 1987
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$110,199 (Jul 2012)
Tax Bill	$5,616 (2025)
Deeds & Mortgages	Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SBRI M:0068 B:0033A L:00001`

Property Details

APN / Parcel Number

Primary APN	`SBRI M:0068 B:0033A L:00001`
Alternative APN	`4350`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,385 sqft Living Area
Gross Area	4,753 sqft
1st Floor Area	1,264 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	4350
Street Address	46 OAK ST
City	SOUTHBRIDGE
State	MA
Zip	01550-2239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	HIGHLANDS
Legal Block	33A
Legal Lot Number	1
Jurisdiction	SOUTHBRIDGE MA
Township / Civil Division	SOUTHBRIDGE TOWN
Census Block Group	1
Census Block	1008
Census Tract	757400

Owner

Source: Worcester County and Southbridge Town City 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	Individual Name on Record
Mailing Address	46 OAK ST, SOUTHBRIDGE, MA 01550-2239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2012 · Amount on Record
Deed Sale	Jul 27, 2012 · Amount on Record
Prior Sale	Dec 20, 2011 · Amount on Record
Deed Book / Page	49353 / 207
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHBRIDGE MA
Property Address	46 OAK ST, SOUTHBRIDGE, MA 01550-2239
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63339-162
Date	Sep 25, 2020
Book Page	63339/162
Instrument	111811

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

Source: Worcester County and Southbridge Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Southbridge Town City
Unified School District	Southbridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,616.00 (+11.08%)	$383,100 (+15.64%) Land $42,800 Building $340,300	$463,790 (+12.77%)
2024	$5,056.00 (-0.86%)	$331,300 (+2.89%) Land $35,600 Building $295,700	$411,255
2023	$5,100.00	$322,000 Land $35,600 Building $286,400

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

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 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHBRIDGE WATER DEPARTMENT serves 19,562 people · EPA ID MA2278000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50