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Single Family ResidenceResidential
$491,577$320 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $125,500 on Feb 23, 1995

22 WATER ST

OXFORD, MA 01540
3
Beds
3 / 1
Baths
1,536 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.
2.68 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$492K
$451K low$532K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,500 · Feb 23, 1995

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,803 (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.$458,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$125,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$332,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$408,800

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.97 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.Split Level
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.2.68
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
FireplaceWhether the home has a fireplace, and what kind.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(5)

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 · 1.0 mi
M
Oxford Middle SchoolC-
Middle · Grades 6–8 · 1.3 mi
H
Oxford High SchoolC-
High · Grades 9–12 · 1.4 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%

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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

22 Water 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.

  • Worth more than 76% of homes in Oxford 01540
  • Has a bigger lot than 92% of homes in Oxford 01540
  • Newer than 85% 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
$288K$754K

This home is worth more than 76% 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$491,577
CheaperTypical $416,324Pricier

Pricier than 76% of homes nearby

Price per ft²$320
CheaperTypical $293Pricier

Pricier than 64% of homes nearby

Living area1,536 ft²
SmallerTypical 1,426 ft²Bigger

Bigger than 57% of homes nearby

Lot size2.68 ac
SmallerTypical 0.52 acBigger

Bigger than 92% of homes nearby

Year built1995
OlderTypical 1973Newer

Newer than 85% of homes nearby

How 22 Water St ranks against every home in each area.
MeasureThis homeOxford 01540Worcester County
Estimated valuepricier than$491,57776% of homes52% of homes
Price per ft²pricier than$32064% of homes58% of homes
Living areabigger than1,536 ft²57% of homes42% of homes
Lot sizebigger than2.68 ac92% of homes87% of homes
Year builtnewer than199585% of homes78% of homes

About 22 Water St

How much is 22 Water St, Oxford, MA worth?

The TopHap Estimate for 22 Water St, Oxford, MA is $491,577 as of Aug 30, 2026. The likely range is $451,192 to $531,962. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 22 Water St, Oxford, MA last sell?

22 Water St, Oxford, MA last sold on Feb 23, 1995 for $125,500, according to the county's recorded deed.

How big is 22 Water St, Oxford, MA?

22 Water St, Oxford, MA has 3 bedrooms, 3 bathrooms, 1,536 square feet of living space and a 2.68-acre lot.

When was 22 Water St, Oxford, MA built?

22 Water St, Oxford, MA was built in 1995, making it 31 years old. It is a split level home. The building has 2 stories.

What schools serve 22 Water St, Oxford, MA?

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

How does 22 Water St, Oxford, MA compare to other homes in Oxford 01540?

Among the 3,741 homes in Oxford 01540, it is worth more than 76% of them ($491,577 against a typical $416,324), its price per square foot is higher than 64% of them ($320 against a typical $293), it is bigger than 57% of them (1,536 ft² against a typical 1,426 ft²), its lot is bigger than 92% of them (2.68 ac against a typical 0.52 ac) and it is newer than 85% of them (1995 against a typical 1973). Measured against all of Worcester County, it is worth more than 52% 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 22 Water St, Oxford, MA?

The 2025 property tax bill for 22 Water St, Oxford, MA was $5,803. The county assessed it at $458,000.

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