645 Scott Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 645 Scott Rd, Oakham, MA 01068 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,322 sqft · built 1790
Lot Size	4.47 acres (194,713 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Nov 2005)
Tax Bill	$4,037 (2025)
Deeds & Mortgages	Jul 2021 Refinance
APN	`408-38`

Property Details

APN / Parcel Number

Primary APN	`408-38`
Alternative APN	`OAKH M:4080 B:0000 L:00380`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,322 sqft Living Area
Gross Area	3,892 sqft
Basement Area	1,548 sqft
Unfinished Basement	1,548 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1790
Effective Year Built	Effective 1790
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	194,713 sqft (4.47 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	408-38
Street Address	645 SCOTT RD
City	OAKHAM
State	MA
Zip	01068-9634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	380
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1062
Census Tract	721101

Owner

Source: Worcester County and Oakham Town records · APN 408-38

Assessment roll updated April 14, 2026 · Last verified July 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	645 SCOTT RD, OAKHAM, MA 01068-9634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2005 · Amount on Record
Deed Sale	Nov 01, 2005 · Amount on Record
Prior Sale	Aug 23, 2001 · Amount on Record
Deed Document Number	2005186317
Deed Book / Page	37703 / 63
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	645 SCOTT RD, OAKHAM, MA 01068-9634
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065589-124
Date	Jul 12, 2021
Book Page	65589/124
Instrument	96442

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2036

Tax Assessment & Valuation

Source: Worcester County and Oakham Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oakham Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

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	$4,037.00 (+6.01%)	$349,500 (+1.69%) Land $145,500 Building $204,000	$475,095 (+1.42%)
2024	$3,808.00 (+7.51%)	$343,700 (+12.28%) Land $142,800 Building $200,900	$468,445
2023	$3,542.00	$306,100 Land $125,900 Building $180,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277211011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not included in the FIRM
Special Flood Hazard Area	No
Flood Hazard	Not mapped
500-Year Floodplain	No
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2005, tidal / storm surge, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Oct 2005 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 16 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.