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399 Main St, Oxford, MA, 01540

4beds
3baths
2,720sqft
$349,900
$129price/sqft
$2,811/moest. monthly cost
$112,440/yrincome needed

About This Home

Awesome property set back from the main street. Private rolling rear accented by patio, decks, and sun porch. Interior features 3 living levels. The main level offers an open kitchen and skylighted living room. Located upstairs is the main suite with double closets and jetted tub bathroom. Lower level recreation area with wet bar. Commute via Route 12 and nearby I-395.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
Oxford Middle SchoolGrades 5-80.8 mi
4/10
Oxford High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1992

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Wood,Tile,Carpet,Other
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 952
  • Finished area above ground: 1,768

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 2,720
  • Total interior livable area: 2,720 sqft

Master Bathroom

  • Features: Yes

Property

Accessibility

  • Accessibility features: No

Details

  • Parcel number: M:29C B:B33,4243688
  • Zoning: GB
  • Special condition: Real Estate Owned
  • Exclusions: No Changes To The Seller's Addendum/P&S. Buyer Must Return P&S Within 24 Hours Or Seller May Cancel.

Features

  • Levels: Multi/Split
  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Deck
  • Exterior features: Deck,Pool - Above Ground
  • Has view: Yes
  • View description: Scenic View(s)

Lot

  • Lot size: 0.55 Acres
  • Features: Gentle Sloping

Parking

  • Total spaces: 4
  • Parking features: Attached,Paved Drive,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $1,769$21,228
Home Insurance *$139$1,668
Property Taxes $367$4,404
Electricity $536$6,436
Total$2,811$33,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,377/yr
40% on housing$84,330/yr
45% on housing$74,960/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

$129This listing

vs Other Active Listings

Avg $/sqft

ZIP 01540$215
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
2025-07-29Sold$312,306
2025-04-02Price change$389,000
2025-03-24Price change$399,000
2025-03-20Listed for sale$420,000
2025-02-14Contingent$420,000
2025-01-07Price change$420,000
2024-12-16Price change$425,000
2024-12-04Price change$445,000
2024-10-16Price change$449,000
2024-10-01Price change$459,000
2024-07-29Price change$479,000
2024-07-11Listed for sale$499,000
2017-09-28Sold$251,000
2017-07-14Pending sale$249,900
2017-06-13Listed for sale$249,900
2016-07-08Sold$240,000
2016-05-25Pending sale$249,900
2016-05-20Price change$249,900
2016-05-18Listed for sale$259,900
2016-05-03Pending sale$259,900
2016-03-09Price change$259,900
2016-02-11Listed for sale$269,900
2005-09-16Sold$287,000

Unknown Listed By

AgentMichael Madulka
BrokerageQuinsigamond Realty

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