Worcester County and Oxford Town property record for 46 Wheelock St, Oxford, MA 01540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,450 sqft · built 1956 |
| Lot Size | 0.529 acres (23,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Sep 2019) |
| Tax Bill | $57 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Oct 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OXFO M:33E B:G05 |
| Primary APN | OXFO M:33E B:G05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,450 sqft Living Area |
| Gross Area | 3,324 sqft |
| 1st Floor Area | 1,450 sqft |
| Basement Area | 2,360 sqft |
| Unfinished Basement | 1,450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,049 sqft (0.529 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 33EG05 |
|---|---|
| Street Address | 46 WHEELOCK ST |
| City | OXFORD |
| State | MA |
| Zip | 01540-2242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | G05 |
| Jurisdiction | OXFORD MA |
| Township / Civil Division | OXFORD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 753200 |
Source: Worcester County and Oxford Town records · APN OXFO M:33E B:G05
Assessment roll updated April 14, 2026 · Last verified April 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 | 46 WHEELOCK ST, OXFORD, MA 01540-2242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2022 | Deed of Trust, Mortgage · Line of Credit ALLCOM CREDIT UNION |
| Oct 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 23, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BK/RI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 23, 2019 · Amount on Record |
| Deed Sale | Sep 23, 2019 · Amount on Record |
| Prior Sale | Nov 16, 2011 · Amount on Record |
| Deed Document Number | 201998218 |
| Deed Book / Page | 61096 / 168 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 46 WHEELOCK ST, OXFORD, MA 01540-2242 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 068388-113 |
|---|---|
| Date | Oct 24, 2022 |
| Book Page | 68388/113 |
| Instrument | 114761 |
| Name | ALLCOM CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 46 WHEELOCK ST, OXFORD, MA 01540-2242 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63512-116 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 63512/116 |
| Instrument | 123275 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OXFORD MA |
| Recording Date | Sep 23, 2019 |
| Property Address | 46 WHEELOCK ST, OXFORD, MA 01540-2242 |
| Document Number | 61096-168 |
| Book / Page | 61096 / 168 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 98218 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 WHEELOCK ST, OXFORD, MA 01540-2242 |
| Document Number | 98219 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 98219 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 46 WHEELOCK ST, OXFORD, MA 01540-2242 |
| Document Number | 59967-237 |
| Instrument Date | Jan 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 WHEELOCK ST OXFORD MA 015402242, OXFORD, MA 01540-2242 |
| Document Number | 59967-237 |
|---|---|
| Date | Jan 24, 2019 |
| Book Page | 059967/000237 |
| Instrument | 6847 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2049 |
Source: Worcester County and Oxford Town records · Assessment roll updated April 14, 2026 · Last verified April 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 | $57.00 (-98.96%) | $453,000 (+11.69%) Land $93,800 Building $359,200 | $375,250 |
| 2024 | $5,467.00 (-2.65%) | $405,600 (-1.48%) Land $89,400 Building $316,200 | |
| 2023 | $5,616.00 | $411,700 Land $85,500 Building $326,200 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · 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 |
| 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 are read at the parcel center point; 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 347 locations within half a mile of this property.
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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