5 Stuart St, Oxford, MA 01540 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,735 sqft · built 1960
Lot Size	0.288 acres (12,565 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jul 2025)
Tax Bill	$4,876 (2026)
Deeds & Mortgages	Mar 2022 Refinance Jul 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:17A B:C05`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:17A B:C05`
Alternative APN	`17AC05`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,735 sqft Living Area
Gross Area	3,608 sqft
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft
Unfinished Basement	1,028 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,565 sqft (0.288 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	17AC05
Street Address	5 STUART ST
City	OXFORD
State	MA
Zip	01540-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	PLAN 11404-K
Legal Block	C05
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1002
Census Tract	753100

Owner

5 Stuart St is owned and occupied by two individuals who bought it in July 2025.

Source: Worcester County and Oxford Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 STUART ST, OXFORD, MA 01540-1223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Jul 22, 2025	Quit Claim Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
Feb 2, 2018	Quit Claim Deed, Transfer · FHA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2025 · Amount on File
Deed Sale	Jul 22, 2025 · Amount on File
Prior Sale	Feb 2, 2018 · Amount on File
Deed Document Number	2025124775
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	5 STUART ST, OXFORD, MA 01540-1223
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119933
Date	Mar 29, 2022
Instrument	119933

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Apr 1, 2048

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Jul 22, 2025
Property Address	5 STUART ST, OXFORD, MA 01540-1223
Document Number	0000124775
Instrument Date	Jul 22, 2025
Instrument	124775
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	5 STUART ST, OXFORD, MA 01540-1223

Mortgage

Document Number	0000124776
Date	Jul 22, 2025
Instrument	124776

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Feb 2, 2018
Property Address	5 STUART ST, OXFORD, MA 01540-1223
Document Number	0000111928
Instrument Date	Feb 1, 2018
Instrument	111928
Transaction Type	Transfer
Record Updated	Feb 20, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,117.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 STUART ST OXFORD MA 015401223, OXFORD, MA 01540-1223

Mortgage

Document Number	111929
Date	Feb 2, 2018
Instrument	111929

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 5 Stuart St was $4,876, down 6.2% from the year before.

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	$4,876.00 (-6.16%)	$398,700 (-2.78%) Land $75,100 Building $323,600	$434,763 (+2.93%)
2025	$5,196.00 (-1.74%)	$410,100 (+4.54%) Land $86,300 Building $323,800	$422,370
2024	$5,288.00 (+7.9%)	$392,300 (+9.18%) Land $80,100 Building $312,200
2023	$4,901.00	$359,300 Land $71,500 Building $287,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5 Stuart St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 5 Stuart St is low, with a 0.01% annual chance of 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	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.

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

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

May also be available: Verizon.

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