5 Spruce St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 5 Spruce St, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1956
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Feb 2017)
Tax Bill	$4,140 (2026)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:33E B:N12`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:33E B:N12`
Alternative APN	`33EN12`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	912 sqft Living Area
Gross Area	1,959 sqft
1st Floor Area	912 sqft
Basement Area	1,296 sqft
Unfinished Basement	912 sqft

Exterior

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	10,800 sqft (0.248 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	33EN12
Street Address	5 SPRUCE ST
City	OXFORD
State	MA
Zip	01540-2208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	N12
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2026
Census Tract	753200

Owner

Source: Worcester County and Oxford Town records, as of October 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	5 SPRUCE ST, OXFORD, MA 01540-2208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2017 · Amount on Record
Deed Sale	Feb 24, 2017 · Amount on Record
Prior Sale	Jun 25, 1990 · Amount on Record
Deed Document Number	201719843
Deed Book / Page	56780 / 257
Record Updated	Oct 29, 2026

February 2017: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	OXFORD MA
Recording Date	Feb 24, 2017
Property Address	5 SPRUCE ST, OXFORD, MA 01540-2208
Document Number	56780-257
Book / Page	05678 / 000257
Instrument Date	Feb 23, 2017
Instrument	19843
Transaction Type	Transfer
Record Updated	Aug 16, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$524.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 STAFFORD ST WORCESTER MA 016031438, WORCESTER, MA 01603-1438

Mortgage

Document Number	56780-259
Date	Feb 24, 2017
Book Page	056780/000259
Instrument	19844

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Amount	Amount Recorded
Term	396 Months
Due	Feb 23, 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	$4,140.00 (+10,25%)	$338,500 (+6.48%) Land $88,700 Building $249,800	$342,680 (-3.73%)
2025	$40.00 (-98.93%)	$317,900 (+14.6%) Land $85,000 Building $232,900	$355,965
2024	$3,739.00 (-1.86%)	$277,400 (-0.68%) Land $81,100 Building $196,300
2023	$3,810.00	$279,300 Land $77,500 Building $201,800

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	AQUARION WATER COMPANY OXFORD private · serves 7,384 people · EPA ID MA2226000
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20