7 Howarth Rd, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 7 Howarth Rd, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,459 sqft · built 1980
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Apr 2025)
Tax Bill	$5,561 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OXFO M:33A B:C55`

Property Details

APN / Parcel Number

Primary APN	`OXFO M:33A B:C55`
Alternative APN	`33AC55`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,459 sqft Living Area
Gross Area	3,509 sqft
1st Floor Area	912 sqft
Basement Area	1,512 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	33AC55
Street Address	7 HOWARTH RD
City	OXFORD
State	MA
Zip	01540-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	PLAN 29196-B
Legal Block	C55
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1000
Census Tract	753200

Owner

7 Howarth Rd is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 HOWARTH RD, OXFORD, MA 01540-1901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2025 · Amount on File
Deed Sale	Apr 18, 2025 · Amount on File
Prior Sale	Aug 16, 2019 · Amount on File
Deed Document Number	2025124439
Record Updated	Oct 29, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OXFORD MA
Recording Date	Aug 16, 2019
Property Address	7 HOWARTH RD, OXFORD, MA 01540-1901
Document Number	0000114622
Instrument Date	Aug 6, 2019
Instrument	114622
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,336.08
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HOWARTH RD OXFORD MA 015401901, OXFORD, MA 01540-1901

Mortgage

Document Number	114623
Date	Aug 16, 2019
Instrument	114623

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 7 Howarth Rd was $5,561, up 24.3% 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	$5,561.00 (+24.32%)	$454,700 (+28.81%) Land $75,000 Building $379,700	$454,345 (+7.93%)
2025	$4,473.00 (-1.89%)	$353,000 (+4.38%) Land $75,000 Building $278,000	$420,945
2024	$4,559.00 (+5.09%)	$338,200 (+6.35%) Land $71,500 Building $266,700
2023	$4,338.00	$318,000 Land $60,800 Building $257,200

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

Flood

FEMA maps place 7 Howarth Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Most Recent Claim	Feb 1982 · rainfall accumulation

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 7 Howarth Rd 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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