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11 Foster St, Oxford, MA, 01540

3beds
3baths
2,418sqft
$549,000
$227price/sqft
$4,047/moest. monthly cost
$161,880/yrincome needed

About This Home

Situated on a quiet dead-end street, this New England Cape welcomes you with timeless charm and thoughtful updates. From the road, it appears "cozy", but step inside and you'll be pleasantly surprised by how spacious it really is. Mature, easy-care landscaping sets the stage before you enter the oversized eat-in kitchen, offering abundant space for everyday living, along with a separate dining room for gatherings and built-ins for your collectables. The front-to-back living room features hardwood floors and a cozy fireplace. Upstairs you'll find a generous primary bedroom, two additional bedrooms, updated bathrooms and a large office or guest room. Multiple large closets throughout provide exceptional storage. Enjoy the fenced backyard, huge covered deck, attached one-car garage and a full basement, all in a location that feels tucked away yet close to everything.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

4/10
4/10
Oxford Middle SchoolGrades 6-80.3 mi
4/10
Oxford High SchoolGrades PK,9-120.3 mi

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Range,Oven,Dishwasher,Refrigerator,Range Hood,Plumbed For Ice Maker
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Bulkhead,Unfinished

Bathroom1

  • Features: Bathroom - Half, Wainscoting
  • Level: First

Bathroom2

  • Features: Bathroom - Full
  • Level: Second

Bathroom3

  • Features: Bathroom - Full
  • Level: Second

Bedroom2

  • Features: Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 156

Bedroom3

  • Features: Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 156

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Hardwood, Deck - Exterior, Exterior Access
  • Level: First
  • Area: 120

Features

  • Closet,Ceiling Fan(s),Den,Office
  • Window features: Screens
  • Flooring: Tile,Carpet,Hardwood,Flooring - Wall to Wall Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,418

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: None,Whole House Fan

Interior Area

  • Total structure area: 2,418
  • Total interior livable area: 2,418 sqft

Kitchen

  • Features: Closet, Flooring - Stone/Ceramic Tile, Dining Area, Kitchen Island, Deck - Exterior, Dryer Hookup - Electric, Exterior Access, Slider, Washer Hookup, Lighting - Overhead
  • Level: Main,First
  • Area: 234

Living Room

  • Features: Flooring - Hardwood
  • Level: First
  • Area: 300

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Ceiling Fan(s), Walk-In Closet(s), Closet
  • Level: Second
  • Area: 288

Office

  • Features: Ceiling Fan(s), Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 130

Property

Details

  • Parcel number: M:023A B:0D41 L:0000,4243158
  • Zoning: R3
  • Exclusions: W/D Negotiable

Features

  • Patio & porch: Deck - Wood
  • Exterior features: Deck - Wood,Rain Gutters,Screens,Fenced Yard
  • Fencing: Fenced/Enclosed,Fenced
  • Waterfront features: Lake/Pond,1/2 to 1 Mile To Beach,Beach Ownership(Public)
  • Frontage length: 90.00

Lot

  • Lot size: 0.38 Acres
  • Features: Cleared,Level

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Garage Faces Side,Paved Drive,Off Street,Tandem,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,776$33,312
Home Insurance *$219$2,628
Property Taxes $576$6,912
Electricity $476$5,721
Total$4,047$48,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,754/yr
40% on housing$121,410/yr
45% on housing$107,920/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 01540$210
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01540$307
Worcester County$281

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-29Listed for sale$549,000
2011-04-12Listing removed$248,700
2011-03-18Price change$248,700
2011-03-09Price change$248,900
2011-02-18Price change$258,900
2011-02-06Price change$259,000
2011-02-04Price change$259,900
2011-01-28Listed for sale$259,000
2006-07-27Sold$309,900
1998-09-21Sold$148,000
1991-06-26Sold$141,000

For Sale by Agent

AgentStacey M. Hamel
BrokerageKeller Williams Pinnacle Central

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