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Single Family ResidenceResidential
$435,439$227 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $103,000 on Jan 7, 1986

21 FREMONT ST

OXFORD, MA 01540
4
Beds
2
Baths
1,920 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1915
Year BuiltThe year the home was originally built, according to county records.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$435K
$366K low$505K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$103,000 · Jan 7, 1986
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$360,439
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$288,351
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.17%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$75,000
SOVEREIGN BANK · recorded Dec 30, 2002

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$53 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$416,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$108,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$308,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$490,580

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.34 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.1.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Alfred M Chaffee
Elementary · Grades KG–2 · 0.8 mi
H
Oxford High SchoolC-
High · Grades 9–12 · 1.3 mi
M
Oxford Middle SchoolC-
Middle · Grades 6–8 · 1.3 mi

District: Oxford School District

Neighborhood · ZIP 01540These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.11,464
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.534 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,522
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,462
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

21 Fremont St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 91% of homes in Oxford 01540
  • Bigger than 76% of homes in Oxford 01540
  • Has a bigger lot than 72% of homes in Oxford 01540
  • Older than 91% of homes in Oxford 01540

What homes are worth in Oxford 01540

Each bar is how many homes fall in that price range. The marker is this home.

This home
$296K$750K

This home is worth more than 56% of homes in Oxford 01540.

How it measures up in Oxford 01540

The dot is this home. The mark in the middle is the typical home in Oxford 01540.

Estimated value$435,439
CheaperTypical $422,371Pricier

Pricier than 56% of homes nearby

Price per ft²$227
CheaperTypical $296Pricier

Pricier than 9% of homes nearby

Living area1,920 ft²
SmallerTypical 1,431 ft²Bigger

Bigger than 76% of homes nearby

Lot size1 ac
SmallerTypical 0.52 acBigger

Bigger than 72% of homes nearby

Year built1915
OlderTypical 1972Newer

Newer than 9% of homes nearby

How 21 Fremont St ranks against every home in each area.
MeasureThis homeOxford 01540Worcester County
Estimated valuepricier than$435,43956% of homes38% of homes
Price per ft²pricier than$2279% of homes11% of homes
Living areabigger than1,920 ft²76% of homes61% of homes
Lot sizebigger than1 ac72% of homes68% of homes
Year builtnewer than19159% of homes17% of homes

About 21 Fremont St

How much is 21 Fremont St, Oxford, MA worth?

The TopHap Estimate for 21 Fremont St, Oxford, MA is $435,439 as of Jul 14, 2026. The likely range is $366,100 to $504,778. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Fremont St, Oxford, MA last sell?

21 Fremont St, Oxford, MA last sold on Jan 7, 1986 for $103,000, according to the county's recorded deed.

How big is 21 Fremont St, Oxford, MA?

21 Fremont St, Oxford, MA has 4 bedrooms, 2 bathrooms, 1,920 square feet of living space and a 1.00-acre lot.

When was 21 Fremont St, Oxford, MA built?

21 Fremont St, Oxford, MA was built in 1915, making it 111 years old. It is a conventional home.

What schools serve 21 Fremont St, Oxford, MA?

21 Fremont St, Oxford, MA is assigned to Alfred M Chaffee (elementary); Oxford High School (high), rated C-; Oxford Middle School (middle), rated C-. All sit in Oxford School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 Fremont St, Oxford, MA compare to other homes in Oxford 01540?

Among the 3,741 homes in Oxford 01540, it is worth more than 56% of them ($435,439 against a typical $422,371), its price per square foot is higher than 9% of them ($227 against a typical $296), it is bigger than 76% of them (1,920 ft² against a typical 1,431 ft²), its lot is bigger than 72% of them (1 ac against a typical 0.52 ac) and it is newer than 9% of them (1915 against a typical 1972). Measured against all of Worcester County, it is worth more than 38% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 21 Fremont St, Oxford, MA?

The 2025 property tax bill for 21 Fremont St, Oxford, MA was $53. The county assessed it at $416,800.

Closest homes

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Assigned schools

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