9 Lowes St, Oxford, MA 01540 Property Records

Worcester County and Oxford Town property record for 9 Lowes St, Oxford, MA 01540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1997
Lot Size	0.969 acres (42,207 sqft)
Owner	Individual Name on File
Last Sale	$299,900 (Dec 2004)
Tax Bill	$5,762 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46CE29.05`

Property Details

APN / Parcel Number

Primary APN	`46CE29.05`
Alternative APN	`OXFO M:46C B:E29.05`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,728 sqft Living Area
Gross Area	2,608 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	42,207 sqft (0.969 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	46CE29.05
Street Address	9 LOWES ST
City	OXFORD
State	MA
Zip	01540-2492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	E29.05
Jurisdiction	OXFORD MA
Township / Civil Division	OXFORD
Census Block Group	4
Census Block	4026
Census Tract	753200

Owner

9 Lowes St is owned and occupied by an individual who bought it in December 2004.

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

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

Owner of Record	Individual Name on File
Mailing Address	9 LOWES ST, OXFORD, MA 01540-2492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BAY STATE SAVINGS BANK
Oct 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit BAY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2004 · Amount on File
Deed Sale	Dec 2, 2004 · Amount on File
Prior Sale	Jul 30, 1997 · Amount on File
Deed Document Number	2004219289
Deed Book / Page	35217 / 166
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	9 LOWES ST, OXFORD, MA 01540-2492
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069032-195
Date	Apr 18, 2023
Book Page	69032/195
Instrument	29430

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	May 1, 2043

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	9 LOWES ST, OXFORD, MA 01540-2492
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66352-226
Date	Oct 22, 2021
Book Page	66352/226
Instrument	148423

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OXFORD MA
Property Address	9 LOWES ST, OXFORD, MA 01540-2492
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57436-310
Date	Jul 18, 2017
Book Page	57436/310
Instrument	76262

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2037

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	$5,762.00 (+11,198.04%)	$471,100 (+14.87%) Land $112,500 Building $358,600	$475,695 (+3.71%)
2025	$51.00 (-99.04%)	$410,100 (+4.32%) Land $107,800 Building $302,300	$458,660
2024	$5,299.00 (+6.15%)	$393,100 (+7.4%) Land $102,900 Building $290,200
2023	$4,992.00	$366,000 Land $98,400 Building $267,600

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

Flood

FEMA maps place 9 Lowes St 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 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 9 Lowes 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	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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lowes St

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