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117 Charlton St, Oxford, MA, 01540

3beds
2baths
1,872sqft
$525,000
$280price/sqft
$3,782/moest. monthly cost
$151,280/yrincome needed

About This Home

**MORE PHOTOS COMING SOON** You've been dreaming of a young colonial home for long enough! This property will need some TLC, but it has so much to offer. Built in 1996, and nicely set back on almost an acre lot, there are 3 good sized bedrooms, 1.5 baths, hardwoods, an open floorplan, and an oversized 2 car garage. Bring your fresh ideas and polish this one up. This is a forever home, just waiting for a new owner. No open houses are planned so call to make your appointment today!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Oxford Middle SchoolGrades 6-81.7 mi
4/10
Oxford High SchoolGrades PK,9-121.7 mi

Construction

Condition

  • Year built: 1996

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Tankless Water Heater,Range,Dishwasher,Microwave

Basement

  • Has basement: Yes
  • Basement: Full,Bulkhead

Bathroom1

  • Level: First

Bathroom2

  • Features: Bathroom - Full
  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Door features: Insulated Doors
  • Window features: Insulated Windows,Screens
  • Flooring: Wood,Tile,Vinyl,Carpet
  • Finished area above ground: 1,872

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,872
  • Total interior livable area: 1,872 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Yes

Property

Details

  • Parcel number: M:0032 B:0C2801 L:0000,4244178
  • Zoning: R2

Features

  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Deck
  • Exterior features: Deck,Pool - Above Ground,Screens
  • Frontage length: 400.00

Lot

  • Lot size: 0.92 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 12
  • Parking features: Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 10

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 $2,654$31,848
Home Insurance *$209$2,508
Property Taxes $550$6,600
Electricity $369$4,429
Total$3,782$45,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,668/yr
40% on housing$113,460/yr
45% on housing$100,853/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

$280This listing

vs Other Active Listings

Avg $/sqft

ZIP 01540$208
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
2026-07-24Listed for sale$525,000
2015-09-14Listing removed$272,900
2015-08-26Price change$272,900
2015-07-19Listed for sale$284,900
2008-11-05Sold$241,000

For Sale by Agent

AgentStephen Laska
BrokerageRE/MAX Vision

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